BlastPoint's Credit Union Scorecard

DESCO

Charter #15882 · OH

Community 500M-750M

167 CUs in 500M-750M nationally 7 in OH

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DESCO has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 59.0% in tier
+ ROA 0.20% above tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 9.4% in tier
- Margin Compression: Bottom 35.7% in tier
- Credit Quality Pressure: Bottom 36.5% in tier
- Members Per Employee (MPE): Bottom 2.4% in tier
- Total Members: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	25,083 -0.3% YoY-0.4% QoQ	-13.0K	38,079 -4.8% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Bottom 7.8% in tier
Assets	$538.8M +4.5% YoY+2.7% QoQ	$-80.8M	$619.7M -0.2% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	20%
Loans	$319.0M +0.5% YoY-0.1% QoQ	$-100.3M	$419.3M -1.4% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Bottom 14.4% in tier
Deposits	$471.4M +3.5% YoY+2.8% QoQ	$-68.1M	$539.5M -0.1% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -34.0% YoY-27.4% QoQ	+0.2%	0.7% +36.0% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	68%
NIM	3.3% +4.6% YoY+0.5% QoQ	-0.2%	3.5% +4.5% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	77.3% +12.7% YoY+9.7% QoQ	-1.1%	78.4% -3.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	0.5% +27.1% YoY-26.0% QoQ	-0.2	0.7% -0.9% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	36%
Loan To Share	67.7% -2.9% YoY-2.8% QoQ	-10.0%	77.7% -1.2% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	21%
AMR	$31,509 +2.6% YoY+2.0% QoQ	+$5K	$26,927 +3.1% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	78%
CD Concentration	19.4% -2.2% YoY-0.1% QoQ	-4.9%	24.3%	19.4%	19.8%	33%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#211 of 257 • Top 59.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.56%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $6.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (3)

Margin Compression

decline

#40 of 133 • Bottom 35.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.89%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.35%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.46% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Cost Spiral

risk

#37 of 83 • Bottom 9.4% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.72% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 52.24%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 284 Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#487 of 727 • Bottom 36.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.39%

#24 of 167 Top 13.8% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $31,509

Peer Median: $25,600

#36 of 167 Top 21.0% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.42%

Peer Median: 26.29%

#38 of 167 Top 22.2% in 500M-750M tier

Top Weaknesses (7 metrics)

164

Members Per Employee (MPE)

engagement

Value: 209.025

Peer Median: 318.730

#164 of 167 Bottom 2.4% in 500M-750M tier

154

Total Members

engagement

Value: 25,083

Peer Median: 36,874

#154 of 167 Bottom 8.4% in 500M-750M tier

149

First Mortgage Concentration (%)

balance_sheet

Value: 53.69%

Peer Median: 32.87%

#149 of 167 Bottom 11.4% in 500M-750M tier

143

Total Loans

balance_sheet

Value: $318.98M

Peer Median: $427.27M

#143 of 167 Bottom 15.0% in 500M-750M tier

134

Total Deposits

balance_sheet

Value: $471.35M

Peer Median: $543.36M

#134 of 167 Bottom 20.4% in 500M-750M tier

133

Total Assets

balance_sheet

Value: $538.85M

Peer Median: $619.16M

#133 of 167 Bottom 21.0% in 500M-750M tier

132

Loan-to-Share Ratio

balance_sheet

Value: 67.67%

Peer Median: 79.97%

#132 of 167 Bottom 21.6% in 500M-750M tier