DECA
Charter #64825 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
DECA shows strong momentum with 10 strengths and 7.6% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + Strong member growth: 7.6% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.1% in tier
- + Member Growth Rate: Top 4.5% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
- + Loan Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,735
+7.6% YoY+2.3% QoQ
|
-890 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$7.3M
+4.4% YoY+1.1% QoQ
|
$-22.5M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$5.3M
+15.1% YoY+1.7% QoQ
|
$-10.4M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
36th in tier |
| Deposits |
$6.0M
+3.6% YoY+0.7% QoQ
|
$-19.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
1.7%
+11.5% YoY+0.2% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 13.7% in tier |
| NIM |
3.9%
-2.2% YoY-0.3% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
51st in tier |
| Efficiency Ratio |
56.9%
-0.9% YoY-0.8% QoQ
|
-24.5% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
89.4%
+11.0% YoY+0.9% QoQ
|
+28.1% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 11.7% in tier |
| AMR |
$6,528
+1.0% YoY-1.1% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
55
Members Per Employee (MPE)
engagement
Value:
867.500
Peer Avg: 365.701
#55 of 2596
Top 2.1% in <100M tier
119
Member Growth Rate
growth
Value:
7.63%
Peer Avg: 14.92%
#119 of 2596
Top 4.5% in <100M tier
122
Net Charge-Off Rate
risk
Value:
-0.08%
Peer Avg: 0.57%
#122 of 2596
Top 4.7% in <100M tier
156
Loan Growth Rate
growth
Value:
15.07%
Peer Avg: 59.01%
#156 of 2596
Top 6.0% in <100M tier
280
Efficiency Ratio
profitability
Value:
56.87%
Peer Avg: 81.39%
#280 of 2596
Top 10.7% in <100M tier
299
Loan-to-Share Ratio
balance_sheet
Value:
89.38%
Peer Avg: 61.23%
#299 of 2596
Top 11.5% in <100M tier
Top Weaknesses (3 metrics)
2247
Average Member Relationship (AMR)
engagement
Value:
$6,528
Peer Avg: $14,627
#2247 of 2596
Bottom 13.5% in <100M tier
2210
Fee Income Per Member
profitability
Value:
$5.43
Peer Avg: $182.96
#2210 of 2596
Bottom 14.9% in <100M tier
1961
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,081
Peer Avg: $5,488
#1961 of 2596
Bottom 24.5% in <100M tier