# DELTA
Greenville, MS · NCUA charter 68003 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/delta-68003

Who the members are: state charter, organized 1957, low-income designated. 1,241 members of 4,000 potential (31.0% of the field); checking penetration 6% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.6M |
| Members | 1,241 (1.4% YoY) |
| Full-time staff | 2 |
| Net worth | $1.3M |
| Net worth ratio | 23.1% (p90 of band) |
| ROA (annualized) | 0.58% (p76 of band) |
| Total delinquency | 4.02% (p88 of band) |
| Net charge-offs (annualized) | 0.80% (p79 of band) |
| Loans / shares | 53% (p45 of band) |
| Cash / assets | 4.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p82 of band) |
| Operating expense / assets | 4.57% (p80 of band) |
| Vehicles % of loans | 69% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 4.69% (p93 of band) |
| Vehicle NCO | 1.56% (p91 of band) |
| Repossessed % of vehicle book | 1.53% (p99 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,958 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 49% |
| Average loan balance | $3,790 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 6 | net worth falling, losing money, charge-offs p90, loan book shrinking |  |
| 2017-06 | 5 | delinquency rising, repo signal | net worth falling, losing money, charge-offs p90 |

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

- 2026-09-01 [Delta Fest returns to Jackson with focus on Deep South’s $270 billion boom - The Clarion-Ledger](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPaDRNM0tORFFyTDh3TzBWVi00YkU4ZlVmNkVZUFFHSnZfMFk4QUtzVjlwellRbzFQLWJNMUdrc0FrUmo0QnNLSXl2S2ViNGIzUUxLQmphUnp3a081cUhKNjh0SUpJcVdFbl8yaFVHSTVtZ3Z1azJNdmdzcnVPQVU4T1VEYmNSVGlTeUNiN0tCWHJ2UWVVVC1aNVQyY1lMWjNVVXJlbUVtQWtFVXE3eUlYWDF2MEpoby1oRldDRkpNdW1NaEY3X3dnVGVJMGFhWlBfZzFKUmhR?oc=5) · The Clarion-Ledger
- 2026-02-05 [Building Equity and Opportunity in the Mississippi Delta - Enterprise Community Partners](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQb01tVWg3S2loaG9VaDdRRzVQd2lzWXRwRk8wNnd1M0w3c1ZNQmZsREowenU0ejdicFhnUGFETjdCRHBDa1c0TmtCeEUzMldxMGNlejN4bFJhVWFZeUF1aUJjTDBWdkRDc1ZadUtfWncyWDd1c3k3QkFpMjh1T0h0QXJSbExta0FTenpYaUQ0UjRVU1hJU3pIVlpqcjRLVkJZby1JdkQxV2hCZw?oc=5) · Enterprise Community Partners
- 2026-03-06 [Commission discusses rural challenges in Delta - Mississippi Today](https://news.google.com/rss/articles/CBMigAFBVV95cUxOMVBzc3QtRFNVQXNmNjVLS2d2VzVDTFR6Q3d2bU1uMU9NRTZaZl9rR2tObDJNZ0tOMU5aQ1dEa0FJMmlITXVHUzQwS1pnMDJVYnloYlgxYnFlazQydndENFJoNlNhbzJhUG9HS0lRLXZqLVJIblU4aFpzNzJjbDdZZQ?oc=5) · Mississippi Today
- 2026-02-25 [The Mississippi Delta Is a Testing Ground for the Nation - Capital B News](https://news.google.com/rss/articles/CBMickFVX3lxTE5fMHVMSm04YnNaU3NuME5WNjZmUFhIV2ZQLUszVUV1dUhiN2ZVaG5mckZEbzRxdHB2UkdISDg5R2pQRUFGLVFVMGtBS180c1lmX2lpTHlXblpRNXFZRGVxT3dZcjlnTnBSSmUwUVRNcC01dw?oc=5) · Capital B News
- 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
- 2026-02-24 [Listening to the Delta, shaping the nation’s rural future - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNRm1QZmd5ZVp3TWo1SExJX0wzRm1FRDg4eURic2k2QVlCcExLMXJRZFZIeTU0UDRMc0tWQk1rNHdJdTBNZEJKRkE0bFJXSElyblVhekFvY2NoRUdiR0ZLeDJaTzk1bHFkX01LUDhPSjV6T1BYeGw5ZGlIX2ZoY2JPWmJNOFhPTUxJN2k1WlNlWUE1RXJBcE1obmdtTy1qbEtrUG1LXzc5TUdPSFJGdW01bkZGVFliNWw5cmpuSXVWVFk?oc=5) · The Clarion-Ledger
- 2018-04-26 [Hope: A Credit Union on a Mission in the Mississippi Delta - WSJ](https://news.google.com/rss/articles/CBMi7wFBVV95cUxObHZEcWxqRnBfM0FhUFFOaW9CQVdSaC1UUDZFRWdpWjhhZHdmUUphdVRVWTJ4NGJSQm50YkxrN2lKZzI1eEdlTVJTNjdNRFJZM2tDc0hZMDhEanRVekgtc05hRW1GRTM4aER4VEVWUXNtTWhQTERGazRyNll0b0xXcDNndzFPeUhCdDE2WjU3dDJETndMY1dFYUhjVFlzTTdxT0wwUE9qNkVlZ0VWX0ttZURmX0stLURqQnZxTk9jdkpBYUNfLTNpQnlMclczUXl1MjhUVzRRWERmdjdyd0V3S3dJdjByb0I3OFNGVHRBRQ?oc=5) · WSJ
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68003 (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/35.json (key "68003", 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=68003
- 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