BlastPoint's Credit Union Scorecard
DESCO
Charter #15882 · OH
DESCO has 2 strengths but faces 8 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 39.9% in tier
- + ROA 0.18% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 15.3% in tier
- - Margin Compression: Bottom 35.4% in tier
- - Credit Quality Pressure: Bottom 41.7% in tier
- - Stagnation Risk: Bottom 58.9% in tier
- - Membership Headwinds: Bottom 58.9% in tier
- - Credit Risk Growth: Bottom 63.3% in tier
- - Members Per Employee (MPE): Bottom 2.4% in tier
- - Total Members: Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 7 that size in Ohio.
- Shares and deposits +6.2% year over year ($481M in shares and deposits).
- Membership: 25,044 members, -0.6% vs a year ago.
- Delinquency rate 0.51%.
- Return on assets 0.99%.
- Efficiency ratio 75.90% vs a 76.56% peer average.
- Loan-to-share ratio 66.80% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,044
-0.6% YoY-0.2% QoQ
|
-12.9K |
37,897
-5.0% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 7.9% in tier |
| Assets |
$550.7M
+6.8% YoY+2.2% QoQ
|
$-71.7M |
$622.4M
+0.6% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$321.6M
+1.2% YoY+0.8% QoQ
|
$-106.9M |
$428.5M
-0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.7% in tier |
| Deposits |
$481.4M
+6.2% YoY+2.1% QoQ
|
$-58.3M |
$539.8M
+0.9% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
1.0%
-19.8% YoY+11.8% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
3.3%
+4.8% YoY+1.2% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
75.9%
+7.8% YoY-1.8% QoQ
|
-0.7% |
76.6%
-3.6% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
0.5%
+16.5% YoY+5.3% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
66.8%
-4.7% YoY-1.3% QoQ
|
-12.5% |
79.3%
-1.4% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$32,066
+4.7% YoY+1.8% QoQ
|
+$5K |
$27,294
+4.1% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
18.7%
-7.7% YoY-3.7% QoQ
|
-5.9% | 24.6% | 19.2% | 20.0% | 29% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 7.7% | Top 0.1% 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 (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)