BlastPoint's Credit Union Scorecard
DESCO
Charter #15882 · OH
DESCO has 3 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 83.2% in tier
- + ROA 0.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 1.8% in tier
- - Total Members: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,195
+0.2% YoY-0.0% QoQ
|
-13.4K |
38,575
-4.8% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 7.3% in tier |
| Assets |
$524.5M
+5.7% YoY+2.7% QoQ
|
$-97.2M |
$621.7M
+0.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.5% in tier |
| Loans |
$319.4M
-0.2% YoY+0.7% QoQ
|
$-110.4M |
$429.8M
-1.8% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.9% in tier |
| Deposits |
$458.7M
+4.8% YoY+2.8% QoQ
|
$-80.1M |
$538.7M
+0.6% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.7% in tier |
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| ROA |
1.2%
+74.9% YoY+0.7% QoQ
|
+0.6% |
0.7%
+42.9% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 11.5% in tier |
| NIM |
3.3%
+12.8% YoY+0.7% QoQ
|
-0.2% |
3.4%
+8.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
70.4%
-9.6% YoY-0.9% QoQ
|
-7.1% |
77.5%
-4.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.7%
-10.0% YoY+23.3% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
69.6%
-4.7% YoY-2.0% QoQ
|
-10.2% |
79.8%
-2.3% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$30,882
+2.5% YoY+1.9% QoQ
|
+$4K |
$26,849
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
19.4%
-8.8% YoY-3.9% QoQ
|
-5.0% | 24.4% | 19.4% | 19.8% | 33% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (0)
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)