# DELTA COUNTY
ESCANABA, MI · NCUA charter 62454 · asset band $100-200M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/delta-county-62454

Who the members are: state charter, organized 1960. 12,860 members of 36,000 potential (35.7% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $140.9M |
| Members | 12,860 (0.7% YoY) |
| Full-time staff | 32 |
| Net worth | $18.1M |
| Net worth ratio | 12.8% (p74 of band) |
| ROA (annualized) | 1.20% (p92 of band) |
| Total delinquency | 0.85% (p74 of band) |
| Net charge-offs (annualized) | 0.36% (p57 of band) |
| Loans / shares | 68% (p37 of band) |
| Cash / assets | 17.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.56% (p76 of band) |
| Operating expense / assets | 3.62% (p46 of band) |
| Vehicles % of loans | 33% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 19% |
| Third-party paper % of net worth | 29% (p49 of band) |
| Vehicle delinquency | 0.47% (p51 of band) |
| Vehicle NCO | 0.84% (p77 of band) |
| Repossessed % of vehicle book | 0.09% (p76 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 32% |
| Average share balance | $4,713 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $9,491 |
| Loans granted, annualized | $35.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency 2x band |  |
| 2017-06 | 3 | net worth falling, delinquency rising |  |
| 2017-09 | 1 |  | net worth falling, delinquency rising |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 1 | delinquency 2x band |  |
| 2018-06 | 0 |  | delinquency 2x band |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-28 [The Delta Force Class of 2026 launches leadership journey - - dailypress.net](https://news.google.com/rss/articles/CBMitgFBVV95cUxPcC1GT1VYSmdPMmV4ZWk5V2doQW9OREdVb0o2clVOVEljUjdNMU9pTENvMHVUX1JEYTJtWTZhZWc1Q3VUb2VtVWtpZW1SWXpaOGxvaGtudmR0RUgxbTMxSFFLcmpHZ3N1U2ZqV0k2Q29lMTRRaGRUQmU4Q3JmVV9uSzFiRFZUZjB2aVVGSWlodElsbWhjRnpwdWVuNFJRRDZuRlJlcXh5UU1CaEpRMUZ2YTlhWVZhZw?oc=5) · dailypress.net
- 2023-04-06 [Women shine in leadership roles at Great Lakes First Federal Credit Union - Upper Michigan's Source](https://news.google.com/rss/articles/CBMitwFBVV95cUxNRmp6eVROdnRPQmlXbllHYlZiamYtUXJTaXN6eW5iYlN1bGV3SE45QnhNQ1FRQnU2WnByQ29HaWFQMlItRnowdWRseHFnOFJTREpGNWNGbldQOFFPRE50UzgtbGhZWmZNUG9CQjVpd0RCak4yR0FqRXA0NWFHc29uX0g0WDk4TTIyVE9PRkhPSnN5Mm1Tblp1ck82MVhFaU1MVHExSnFiVlVjcUQwX1lob1REbFpGZDDSAcsBQVVfeXFMTy1wZlBaN08wOFE1dWc4Z3dpZGFNVWttSlh5MGZMaUV0Y2pKT193QnN2eTg2OUx4TUw1ZzZsMUtja3pHR2Y3aFU1Sm9PX1BTelFvRUUyanN5ODFCdmxaa1o2T0Foc1E0WWxrbk9kdTMtcnVQS2diQWxoQTNhcXhvaFl5YlM1NlRzSEc2V1RVNlNObXhPUnVBRjZ1eHJHQXlxOEtUdS1RZTVqczFWR0hNVHQ3Vk5SWTY4MjBGcjdzUFNxVGZkSkFyS1JhZzQ?oc=5) · Upper Michigan's Source
- 2025-12-29 [UPDATE: Closures, Cancellations As Blizzard Hits Upper Peninsula - radioresultsnetwork.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5EVVg5dDZqRjdMNGYwandHZ0JzSUhKVHJBeERzbDlVbWpXd1prYThQUzRUMXVzaXBvWS12dHQ3bGJBRGhIZkVSNDlGMF9uR3FCcWd3cVNsTFoyUHgyZVJDRXhPLWE?oc=5) · radioresultsnetwork.com
- 2018-08-26 [Obituary for Susan Lee Standing - andersonfuneralhomes.net](https://news.google.com/rss/articles/CBMibEFVX3lxTE5jMVhSR29iZmNrTVNfT0NGaUs4ZFhOQzQtZGdjTll6YTBNOW5YSjBqZEliVFFoRi1kRkhVNDJjVGk1bDhJMVZKXzJlWGx5V3RRV2tEa1BsWUs2OFIwODhHclFsVmE1RXJUaExqZQ?oc=5) · andersonfuneralhomes.net
- 2022-01-05 [Manistique Emeralds compete, win in High School Bowl tournament - Pioneer Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUDVLTnJqYUVKRW5XdVo0TGkxc0VHNzFnbUpONW9kQUM5OWlJMkxMLWk1eDFsVm1uWDEyV1JOV1Y0VVZ3V0E0X0RfNXZmSjFocUhtZm1GT3FFWmtTZG9GakZiaWVCS2J1NTktTG1mWG4tTDhnRlB3N0ZGT2k2em4wM3pJWjFnOVRTVUtFNVE4ZXpFT2hydzNvTHFaQXlRTjdhX0xPS1h3?oc=5) · Pioneer Tribune
- 2018-11-25 [Carney competes in HSB - ehextra.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNc0dTWG4wb3MxaktJZVQ2TGtDZkp6aE5XQWFibDI5bm12NzE0NlFsaWlWcnlCTzIwY1J1VTBsSERYQlJtcDdrdmdyWmZhbHg2eEpYRXBTRXZXcGQtUzdYaEhKQWN4QjhwUVFhMTJ4XzhyTmFmVFdkcEZQWk45TjlrYVQ4enJtcEtCOFM1a2RFLXZiWG5Uc2dTQl90c1c?oc=5) · ehextra.com
- 2020-01-08 [Obituary for Terry Jean Kidd - andersonfuneralhomes.net](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5TNVJ1TDB2Qm5XUTRyajlMUmo1Vi1GZzQ4SGY5QUZsSkpaM0VRYnEtNlhpU3Q1Q2VGU0FPWEVRczFUTk5ycTVZYjhzWlZZcnQyajVRU0RtUkxGSkhndjBYQ0JfMGJHRTQ?oc=5) · andersonfuneralhomes.net
- 2025-02-22 [Delta Force Class of 2025 kicks off leadership journey - - dailypress.net](https://news.google.com/rss/articles/CBMirgFBVV95cUxOc1pqdWRFV2tYdXItbXRYYkk4MWlySERscHo3bzJELTFUdWZ3VlZDZEc0bG1CMnlMM3E4Tm54dEM5RFh2NmxiU3VVc2l1TzJUTVdMUHBlOVIwdkptTUFQU3VUbE50bnhYRVpfM29iYTMxLWw4d1Zhams0VWpvMmx3T0RIMHRMX0tmaF9TZ0NjMGl2Rm9XNVNRcXVWWEFRb0tNbGJkREJzSnBGd19TSlE?oc=5) · dailypress.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62454 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/54.json (key "62454", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62454
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide