Delta Community Credit Union
Nonprofit profile at a glance
- EIN
- 580904765
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024, Form 990-N 2012
- Location
- Atlanta, GA, USA
- Phone
- 470-456-2179
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $444,717,236
- Expenses
- $406,776,706
- Assets
- $8,652,742,905
- Liabilities
- $7,862,483,699
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
24 people listed
Executive titles in this filing
- HANK HALTER (PRESIDENT & CEO)
Highest reported compensation
- HANK HALTER (PRESIDENT & CEO): $2,178,227 total reported compensation
- JAY GRATWICK (EVP & CFO): $1,422,189 total reported compensation
- TIM MITCHELL (SVP & CIO): $1,383,203 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To help our members get more out of their finances throughout their lives.
What it reported doing in 2024
Delta community was founded in 1940 by eight employees of delta air lines and has become Georgia's largest credit union with more than $8 billion in assets and 32 branch locations. In addition to proudly serving delta air lines' employees, the credit union now welcomes residents of 16 metro atlanta counties and employees of more than 130 other businesses. We are actively involved with local chambers of commerce, schools and charitable organizations to this end and embrace the opportunity to give back to the communities where we live, work, and serve.
Operating model
- Revenue model
- Earned-program. 86% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 86
- Accountability: 94
- Sustainability: 66
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 77th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 88.9%; rating input score 89; 36th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 8.5%; rating input score 69; 69th percentile among comparable filings
- Total-asset coverage ratio: 21.27; rating input score 97; 97th percentile among comparable filings
- Liabilities to assets ratio: 0.91; rating input score 12; 12th percentile among comparable filings
- Officer compensation ratio: 3.3%; rating input score 34; 34th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 6.2% per year; rating input score 100; 54th percentile among comparable filings
- Asset growth: 6.5% per year; rating input score 100; 48th percentile among comparable filings
Details
- What they do: 5 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 8 of 9 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $2.2M · 24 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $3.6M reported
- Consistency: 11 of 11 current checks pass
- Schedules: 6 filed schedules · includes grants and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 60 filed money-flow records
- Related organizations: 37 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Sustainability: Liabilities to assets ratio scored 12/100.
- Moderate — Sustainability: Officer compensation ratio scored 34/100.