Side-by-side · Q2 2026 data
Delta Refining Co Emp Federal Credit Union vs Gallatin Steam Plant Credit Union
Credit union
Delta Refining Co Emp Federal Credit Union
Memphis, Tennessee · Under $100 million in assets
Credit union
Gallatin Steam Plant Credit Union
Gallatin, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Delta Refining Co Emp Federal Credit Union | Gallatin Steam Plant Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 15 |
| Earnings | 0 | 44 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 65th | 30th |
| Total assets | $4.6M | $8.1M |
| Deposits / shares | $3.6M | $6.7M |
| Capital ratio | 21.36% (stronger) | 16.96% |
| Problem loans | 0.00% (stronger) | 2.55% |
| Net charge-offs | 0.03% (stronger) | 0.61% |
| Return on assets | -0.59% | 0.59% (stronger) |
| Loans ÷ deposits | 27.7% (stronger) | 67.4% |
| Uninsured deposits | 0.0% (stronger) | 1.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Delta Refining Co Emp Federal Credit Union has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Delta Refining Co Emp Federal Credit Union leads on 6 and Gallatin Steam Plant Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.