Deca

Cincinnati, OH · 2 · Charter #64825
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.4M
34th percentile
Members
1,792
60th percentile
Total loans
$5.2M
45th percentile
Total shares
$6.0M
34th percentile

Profitability

Return on assets
1.63%
83th percentile
Net interest margin
3.95%
49th percentile
Efficiency ratio
57.65%
71th percentile
Non-interest income ratio
2.67%
22th percentile

Capital & Risk

Net worth ratio
18.54%
68th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.07%
95th percentile
Loan-to-share
85.81%
84th percentile

Growth

Member growth YoY
5.97%
95th percentile
Asset growth YoY
6.26%
81th percentile
Loan growth YoY
6.49%
83th percentile
Share growth YoY
5.54%
78th percentile

Operations

Members / branch
1,792
73th percentile
Assets / member
$4,115
11th percentile
Field of membership penetration
71.68%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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