DESCO

Charter #15882 | OH

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in OH

DESCO has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 9.7% in tier
  • + Wallet Share Momentum: Top 26.2% 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
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
 33rd in tier
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
 Bottom 20.1% in tier
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
 41st in tier
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
 Bottom 21.9% in tier
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
 Top 22.5% in tier
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
 36th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#267 of 1006 • Top 9.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#724 of 1006 • Top 26.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.96%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (1)

Flatlined Growth

risk
#5 of 58 • Bottom 3.9% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $510.91M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
22
Return on Assets (ROA)
profitability
Value: 1.22%
Peer Avg: 0.66%
#22 of 169 Top 12.4% in 500M-750M tier
26
Fee Income Per Member
profitability
Value: $284.83
Peer Avg: $199.27
#26 of 169 Top 14.8% in 500M-750M tier
35
Efficiency Ratio
profitability
Value: 71.09%
Peer Avg: 78.10%
#35 of 169 Top 20.1% in 500M-750M tier
38
Average Member Relationship (AMR)
engagement
Value: $30,299
Peer Avg: $26,482
#38 of 169 Top 21.9% in 500M-750M tier
40
Share Certificate Concentration (%)
balance_sheet
Value: 20.23%
Peer Avg: 26.87%
#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: 338.010
#165 of 169 Bottom 3.0% in 500M-750M tier
158
Total Assets
balance_sheet
Value: $510.91M
Peer Avg: $622.38M
#158 of 169 Bottom 7.1% in 500M-750M tier
158
Total Deposits
balance_sheet
Value: $446.31M
Peer Avg: $538.02M
#158 of 169 Bottom 7.1% in 500M-750M tier
156
Total Members
engagement
Value: 25,202
Peer Avg: 39,752
#156 of 169 Bottom 8.3% in 500M-750M tier
152
First Mortgage Concentration (%)
balance_sheet
Value: 53.47%
Peer Avg: 33.53%
#152 of 169 Bottom 10.7% in 500M-750M tier
152
Total Loans
balance_sheet
Value: $317.29M
Peer Avg: $435.95M
#152 of 169 Bottom 10.7% in 500M-750M tier
132
Loan Growth Rate
growth
Value: -1.33%
Peer Avg: 4.04%
#132 of 169 Bottom 22.5% in 500M-750M tier
132
Loan-to-Share Ratio
balance_sheet
Value: 71.09%
Peer Avg: 81.02%
#132 of 169 Bottom 22.5% in 500M-750M tier
131
Asset Growth Rate
growth
Value: 0.55%
Peer Avg: 4.33%
#131 of 169 Bottom 23.1% in 500M-750M tier