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Overview / Commentary
1340 Highway 92
Delta, CO 81416

Delta County Credit Union is headquartered in Delta and is the 46th largest credit union in the state of Colorado. It is also the 2,490th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 12 employees and 4,401 members. Delta County Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Delta County - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Delta County Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Delta County Credit Union had $80,000 in non-current loans and owned real-estate with $4.09 million in equity and loan loss allowances on hand to cover it. This gives Delta County Credit Union a Texas Ratio of 1.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Delta County Credit Union experienced no significant changes from 0.26% as of March 31, 2013 to 1.96% as of March 31, 2014, resulting in a negative change of 640.15%. This indicates that the balance sheet and financial strength for Delta County Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Delta County Credit Union has increased its total deposits by $2.8 million, resulting in 7.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Delta County Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Delta County Credit Union has $43.04 million in assets with $4.09 million in equity, resulting in a capitalization level of 9.50%, which is above average.

Institution Statistics

NCUA #24381
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$43.04 million
Loans$17.18 million
Deposits$39.01 million
Equity Capital$4.03 million
Loan Loss Allowance$64,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Historic Data - March 2013
Assets$40.02 million
Equity Capital$3.74 million
Loan Loss Allowance$46,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.6%
Return on Equity6.46%
Interest Income$329,000

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Delta County Credit Union Savings Account Rates

0.20%$1k-Health Savings Account
0.20%$25-IRA Savings Account
0.20%$25-Roth IRA Savings Account
0.20%$25-Educational IRA Savings Account
0.15%-$1,500Youth Savings Account
0.10%$50-Share Savings Account

Delta County Credit Union Money Market Rates

0.15%$75k-Money Market Savings Account
0.10%--Money Market Checking Account

Delta County Credit Union Checking Account Rates

0.05%$1k-Share Draft Account

Delta County Credit Union CD Rates

0.90%$2,500-5 Year Share Certificate
0.70%$2,500-3 Year Share Certificate
0.65%$2,500-2 Year Share Certificate
0.55%$2,500-18 Month Share Certificate
0.50%$2,500-1 Year Share Certificate
0.30%$2,500-6 Month Share Certificate
0.25%$250-3 Month Add-On Youth Certificate

Delta County Credit Union IRA Rates

0.90%$2,500-5 Year IRA Share Certificate
0.70%$2,500-3 Year IRA Share Certificate

Delta County Credit Union Locations
Branch Office1340 Highway 92Delta, CO 81416
Branch Office120 Highway 133 120 N 6th StHotchkiss, CO 81419