BlastPoint's Credit Union Scorecard

DESCO

Charter #15882 · OH

Community 500M-750M

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

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DESCO has 4 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 72.7% in tier
+ Profitability Leader: Top 78.8% in tier
+ ROA 0.56% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 3.9% in tier
- Members Per Employee (MPE): Bottom 3.0% in tier
- Total Assets: Bottom 7.1% in tier
- Total Deposits: Bottom 7.1% in tier
- Total Members: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	25,202 0% YoY+0.1% QoQ	-14.6K	39,752 -2.7% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	Bottom 7.7% in tier
Assets	$510.9M +0.5% YoY-0.9% QoQ	$-111.5M	$622.4M +0.3% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	Bottom 6.5% in tier
Loans	$317.3M -1.3% YoY-0.2% QoQ	$-118.7M	$435.9M -0.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	Bottom 10.1% in tier
Deposits	$446.3M +6.2% YoY-1.6% QoQ	$-91.7M	$538.0M +1.3% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	Bottom 6.5% in tier

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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	1.2% +81.3% YoY-1.9% QoQ	+0.6%	0.7% +33.9% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	Top 13.0% in tier
NIM	3.2% +14.5% YoY+2.2% QoQ	-0.2%	3.4% +8.6% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	33%
Efficiency Ratio	71.1% -10.7% YoY+1.0% QoQ	-7.0%	78.1% -3.4% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	20%
Delinquency Rate	0.5% -17.5% YoY+21.2% QoQ	-0.3	0.8% -4.9% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	41%
Loan To Share	71.1% -7.1% YoY+1.4% QoQ	-9.9%	81.0% -1.8% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	22%
AMR	$30,299 +3.0% YoY-1.1% QoQ	+$4K	$26,482 +2.6% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	78%
CD Concentration	20.2% -3.3% YoY-0.2% QoQ	-4.2%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	36%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#187 of 257 • Top 72.7% 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): 2.96%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $5.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Profitability Leader

growth

#268 of 340 • Top 78.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.22%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.54% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (1)

Flatlined Growth

risk

#5 of 58 • Bottom 3.9% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.55%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 1.22%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 281 Community CUs have this signature | 82 nationally

↑ Growing +10 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 169 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.22%

Peer Avg: -

#22 of 169 Top 12.4% in 500M-750M tier

Fee Income Per Member

profitability

Value: $284.83

Peer Avg: -

#26 of 169 Top 14.8% in 500M-750M tier

Efficiency Ratio

profitability

Value: 71.09%

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $30,299

Peer Avg: -

#38 of 169 Top 21.9% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.23%

Peer Avg: -

#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (9 metrics)

165

Members Per Employee (MPE)

engagement

Value: 215.402

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

158

Total Assets

balance_sheet

Value: $510.91M

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

158

Total Deposits

balance_sheet

Value: $446.31M

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

156

Total Members

engagement

Value: 25,202

Peer Avg: -

#156 of 169 Bottom 8.3% in 500M-750M tier

152

First Mortgage Concentration (%)

balance_sheet

Value: 53.47%

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

152

Total Loans

balance_sheet

Value: $317.29M

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

132

Loan Growth Rate

growth

Value: -1.33%

Peer Avg: -

#132 of 169 Bottom 22.5% in 500M-750M tier

132

Loan-to-Share Ratio

balance_sheet

Value: 71.09%

Peer Avg: -

#132 of 169 Bottom 22.5% in 500M-750M tier

131

Asset Growth Rate

growth

Value: 0.55%

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier