Desco

PORTSMOUTH, OH · 1 · Charter #15882 · www.descofcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$524.5M
61th percentile
Members
25,195
42th percentile
Total loans
$319.4M
55th percentile
Total shares
$458.7M
62th percentile

Profitability

Return on assets
1.34%
74th percentile
Net interest margin
3.21%
33th percentile
Efficiency ratio
53.71%
71th percentile
Non-interest income ratio
22.08%
70th percentile

Capital & Risk

Net worth ratio
11.84%
64th percentile
Delinquency rate
0.66%
55th percentile
Net charge-off rate
0.28%
65th percentile
Loan-to-share
69.64%
26th percentile

Growth

Member growth YoY
0.15%
45th percentile
Asset growth YoY
5.65%
54th percentile
Loan growth YoY
-0.21%
25th percentile
Share growth YoY
4.76%
51th percentile

Operations

Members / branch
2,799
13th percentile
Assets / member
$20,819
79th percentile
Field of membership penetration
3.60%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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