# DELTA COMMUNITY
Atlanta, GA · NCUA charter 66357 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/delta-community-66357

Who the members are: state charter, organized 1940. 537,196 members of 1,000,000 potential (53.7% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *participation buyer*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.14B |
| Members | 537,196 (4.3% YoY) |
| Full-time staff | 1373 |
| Net worth | $1.12B |
| Net worth ratio | 12.2% (p74 of band) |
| ROA (annualized) | 0.98% (p73 of band) |
| Total delinquency | 0.18% (p7 of band) |
| Net charge-offs (annualized) | 0.33% (p28 of band) |
| Loans / shares | 79% (p30 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.35% (p52 of band) |
| Operating expense / assets | 3.20% (p49 of band) |
| Vehicles % of loans | 28% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 72% (p32 of band) |
| Vehicle delinquency | 0.28% (p18 of band) |
| Vehicle NCO | 0.68% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p23 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 81% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 25% |
| Average share balance | $6,627 |
| Participations bought / yr | $527.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $806.0M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $19,570 |
| Loans granted, annualized | $2.27B |

## Participation posture (from the same filings)

Bought $527.5M and sold $0 in the latest annualized quarter; $806.0M outstanding purchased (72.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | assets shrinking | leaning on borrowings |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | 3rd-party paper>100% NW, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-07-02 [Delta Community Expands Impact of Philanthropic Fund Program with Larger Grants - TheCitizen.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPc0ZRWUIxVXdVaHItc1lWdWZJV1ZXTi1mR01iQlhfZDEySnhFOWdoUTBCQzU1TWJzUGNrNVhMY1BMekt2MlpnYUlOSGt5WFR5ZXlJN2VYSWJSVGstM09kdmhvaU5IcklIM2hka0w2X0owbU5CcXVJSEZod0FDaFR5WGpDWTdPQjRZZ0lGTTd4dTRNc0RQZzJ5LXBfQTdFejhRd3F2QVJQUGcxbkVVT2ZOTzBialE?oc=5) · TheCitizen.com
- 2026-01-02 [Delta Community appoints Abdul Hussain as chief risk officer - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTndZTWtxNnFKdk5kcHVLcUZxRndnRlhYYTRHMDNaSXA2T084Z2hiR3BoZEJlS1NXOG9qRG84RmlCS01EVEc4RG5GcWk5SndVRjRoR2tkckhfanhpXzV2Z01QeVpoVFBISk1BN0RhNXBBVzRuczBMMkNtM3FFZVRONXJyYk5uOW90MnNFc19fX2FSaGxUT1ZoVkFBTk82bzhuTXFn?oc=5) · CUInsight
- 2026-08-19 [Delta Community Credit Union plans larger Buford branch - North Gwinnett Voice](https://news.google.com/rss/articles/CBMic0FVX3lxTE10X1ZQdWd4SmE0NkNsVGoxcm8zcEoyQWZWNlhvR2xLUVhydl9WRmRqRnZEd3dLN3h3ZVVzMmxJbk1IaDM0TUVMUkVlQ1h3QjlyWXB4MU9kaGl1T2xXSEtPcGNlcmVYTGRCMkcwOE1ZSXl1UEXSAXNBVV95cUxNdF9WUHVneEphNDZDbFRqMXJvM3BKMkFmVjZYb0dsS1FYcnZfVkZkakZ2RHd3Szd4d2VVczJsSW5NSGgzNE1FTFJFZUNYd0I5cllweDFPZGhpdU9sV0hLT3BjZXJlWExkQjJHMDhNWUl5dVBF?oc=5) · North Gwinnett Voice
- 2026-02-28 [Delta Commmunity Credit Union launches youth essay contest - East Cobb News](https://news.google.com/rss/articles/CBMijAFBVV95cUxQYXlja2lFbkxSb1BKN1pqRGdDWFBocEsyeTRIWFdsQTFEQ0VRdnFUS2FmY21BLWxYMzNzMjlJX2ZKNGh2c2pmNEIxUFE4VXRPbTBiakdfenJwY0NuV2NvczZGSUFpa1ZuanJTWWpsT2pmdnJaaGg4aEtDVGpBNW1VYkQzZEZabHlTZF9GNA?oc=5) · East Cobb News
- 2025-10-07 [Delta Community Celebrates Grand Opening of Conyers Branch - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxPWmtvQ1BRQkFsaVRjdXBtdXdfVUNkNi1ydGZ6eVpWY2VTa25majZwb3IzdDhQX196blhRZi1GOEVwMkppMWFHeE1TQndSU0NkU2ExMG12Vkp4dklhWWlRRHJsdVE0bjZ0X1RqTTFSNENoa3pXbmdMNDBtR0lucEtROTA1M3hBU1lzYzBWck9LeGpseTNmSUN6MlprNDhGNlhFS05na29ZTlNKZUR0ZWNZd1BWS0o?oc=5) · PR Newswire
- 2025-12-09 [North Fulton County To Receive New Delta Community Location - WhatNow](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNURINVdtTHpnYVFKUmVQZk9UT2ExZmVwZndFQ1BfdmpiQkREcm1WUlhLNWV6aTI4ZWFqSlRNcmthTnZNREFkTnVxQjB2bVh3V2hsR1lJRTZJMUtwVWNyMWdMbjJXUUZOeW9jR3h4cXFhQmM3QlI2bjE5QXMzMjZ1Q0dJUy1kTUVobnNfbnduT0p0Tm8tSTNrZ1FfNA?oc=5) · WhatNow
- 2025-11-19 [72-year-old woman scammed out of thousands - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTC1SdUZCRnh0bXFIZnA4cEJHb2FTSTc3SUJSdHhYYmtwSEh3ZjU1dHp4OXdsUmFKbWJuaGNEaW5QeXZMb1dSMWZ6RVo1ZFZjOXJOQ0NaZFpKdnhiWFVVenpQX3FGUE56TUVMRnNyZk1HRWZHZFNaQWpzY0xEZ1VBSExKaFlTRkZfSC1LZ0U2YzBmcGpwNmNpSTlueDcwVnFHWVpSRFBmONIBrAFBVV95cUxQN1NzM2hoSXlzaDhqWlE1Z19QTW96cnNWanNqeU9UOElEUFBYSVpsaGxTa0FBRER3WmFucnplQXdKWlVSc1J4d1BIbUNhdDN6VUhIRklqSTlFeGNpTEotY28tVTFDUmpZNEVWU3ktZjkzX19vSl9JQWdGdGlYM1hnVGw0NnlwZ3JSUjNnVE1fNlJhZE9WMzFleURzcDZuS1dhNll4aDZzZVJKSWpE?oc=5) · FOX 5 Atlanta
- 2025-05-19 [Delta Community Credit Union Celebrates Ribbon Cutting in Locust Grove - The Henry Reporter](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQ05BMFAzel9JdXVfZDlqMHc4MUxJRmNqeE5VQ0lBX1YtTUZUUG8zRmVMS2Q0NEhPR1Noa3FBTmluTXhuT1V5RzVZN2F5eEpzT041VEc2bVVhczBycWdtWVF4OUR6UUZQU05EMGdJYWotVHcxUHRvNU5ZaEloWUdoMmhrbU1CSUlnVFppZ3h4eHVQOGh4M0dhbVFLOG9HY2VyS2ZBam13?oc=5) · The Henry Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66357 (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/53.json (key "66357", 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=66357
- 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