Credit union · NCUA insured
Delta Schools Federal Credit Union
A $65.9M credit union headquartered in Antioch, CA, with 2,972 members and 2 branches in California. Best rates: CDs 3.24% and savings 0.10% APY.
Delta Schools Federal Credit Union Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#25 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Delta Schools Federal Credit Union
Founded in 1953 by school employees, Delta Schools Federal Credit Union is headquartered in Antioch, California.
The credit union operates branches in Antioch, including on 18th Street and Lone Tree Way.
It expanded its field of membership to serve school districts including Oakley Union Elementary, Brentwood Union, Knightsen Elementary, and Byron Union.
- Headquarters
- 701 W 18th St, Antioch, CA 94509-1586
- NCUA charter
- 24492
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees, retirees, students, and student organizations of Antioch Unified School District are eligible for membership.
- Individuals affiliated with Oakley Union Elementary, Brentwood Union, Knightsen Elementary, and Byron Union School Districts are eligible for membership.
Family and household
- Immediate family members of employees/retirees and family members of students of Antioch Unified School District are eligible for membership.
Branches
2 branches in California
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California
2 branches
- W18Main office701 W 18th St, Antioch, CA 94509Directions
- Ltw5123 Lone Tree Way, Antioch, CA 94531Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.74% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio10.74%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Delta Schools Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.