TellerScore

Headquartered in Antioch, California, Delta Schools Federal Credit Union is a federal credit union with $66.5M in total assets and $59.0M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1953.

Delta Schools Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 49th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (57/100, 10.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.74%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity100/100
Loans ÷ shares: 49.9% · 0.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (83 → 81), mostly because the earnings component weakened by 21 points.

TellerScore
717783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202471
Q4 202475
Q1 202576
Q2 202583
Q3 202581
Q4 202583
Q1 202680
Q2 202681
Net worth ratio
7.00%8.88%10.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.18%
Q3 20249.44%
Q4 20249.77%
Q1 20259.38%
Q2 202510.33%
Q3 202510.50%
Q4 202510.76%
Q1 202610.55%
Q2 202610.74%
Delinquent loans (60+ days)
0.00%0.19%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.38%
Q4 20240.19%
Q1 20250.24%
Q2 20250.07%
Q3 20250.08%
Q4 20250.00%
Q1 20260.03%
Q2 20260.00%
Return on assets
0.89%1.29%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.97%
Q4 20241.03%
Q1 20251.33%
Q2 20251.70%
Q3 20251.45%
Q4 20251.44%
Q1 20261.22%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$66.5M10.74%0.00%1.18%49.9%
Q1 202680$65.9M10.55%0.03%1.22%52.0%
Q4 202583$62.8M10.76%0.00%1.44%53.7%
Q3 202581$62.2M10.50%0.08%1.45%52.5%
Q2 202583$61.8M10.33%0.07%1.70%53.5%
Q1 202576$64.8M9.38%0.24%1.33%51.9%
Q4 202475$60.0M9.77%0.19%1.03%53.1%
Q3 202471$60.3M9.44%0.38%0.97%52.1%
Q2 202473$60.1M9.18%0.02%0.89%50.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.74%
22nd
Problem loans0.00%
87th
Net charge-offs0.05%
62nd
Return on assets1.18%
75th
Loans to deposits49.9%
64th
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
87th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Escondido Federal Credit UnionCredit union Escondido, CA89 out of 100, Very strong$66.8M13.7%0.06%vs
Shell Western States Federal Credit UnionCredit union Martinez, CA64 out of 100, Moderate$66.0M10.4%0.52%vs
Santa Barbara County Federal Credit UnionCredit union Santa Barbara, CA92 out of 100, Very strong$64.8M13.5%0.04%vs
Rolling F Credit UnionCredit union Turlock, CA75 out of 100, Strong$63.9M12.0%0.80%vs
Bopti Federal Credit UnionCredit union San Pedro, CA76 out of 100, Strong$63.3M24.8%1.52%vs
Parishioners Federal Credit UnionCredit union Torrance, CA44 out of 100, Below average$69.9M8.8%2.25%vs

Deposit insurance

Is my money safe at Delta Schools Federal Credit Union?

Yes. Delta Schools Federal Credit Union is a federally insured credit union (NCUA charter #24492). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.9% of shares and deposits ($519K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Delta Schools Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Delta Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
24492
RSSD ID
477899
Primary regulator
NCUA
Established
1953
Headquarters
Po Box 2566, Antioch, CA 94531
Employees
10

Quick answers

Delta Schools Federal Credit Union: common questions

Is Delta Schools Federal Credit Union NCUA insured?

Yes. Delta Schools Federal Credit Union is a federally insured credit union (NCUA charter #24492). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Delta Schools Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Delta Schools Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs
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