Delta Community Credit Union (66357), a $8.8B credit union headquartered in Atlanta, GA, led by CEO Halter, reported $7.8B in member deposits at the end of 2025 Q3, an increase of $186.9M (+2.5%) compared to the same quarter last year.
The credit union's 78.4% loan-to-share ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
At a high level: growth optionality is constrained but liquidity remains adequate.
Deposit Composition
Delta Community Credit Union's deposit portfolio is led by Regular Shares, comprising 26.1% of total deposits—basic savings accounts with no withdrawal restrictions.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $2.0B | 26.1% | +3.0% |
| Share Certificates | $1.9B | 24.9% | +4.4% |
| Money Market | $1.8B | 23.2% | -0.9% |
| Share Drafts | $1.6B | 21.0% | +3.0% |
| IRA/KEOGH | $336.2M | 4.3% | +0.8% |
| Other Shares | $38.1M | 0.5% | +35.2% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Moderate deposit growth suggests stable member relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $7.6B | $15K | |
| 2024 Q3 | $7.6B | -0.2% | $15K |
| 2024 Q4 | $7.7B | +1.6% | $15K |
| 2025 Q1 | $8.0B | +2.9% | $15K |
| 2025 Q2 | $7.8B | -1.5% | $15K |
| 2025 Q3 | $7.8B | -0.5% | $15K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Delta Community Credit Union serves 524,276 members, an increase of 2.6% year-over-year. The average member deposit of $15K has declined 0.2% compared to last year.
Member growth outpacing deposit growth may indicate acquisition of lower-balance members or competitive pressure on rates.
Historical Context: Since the 2008 Crisis
Delta Community Credit Union's deposit base has grown 253% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $2.2B in member deposits serving 177,496 members.
Membership has expanded 195% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 91 credit unions in its $4.4B–$13.3B asset peer group, Delta Community Credit Union ranks in the 21st percentile for deposit growth. This suggests room for improvement in member deposit attraction and retention.
Outlook
Delta Community Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Delta Community Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Delta Community Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.