State credit union · Cincinnati, Ohio · NCUA charter #64825
DECA
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $7.4M
- Total assets
- 1,792
- Members
- 18.9%
- Net-worth ratio
DECA scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.4M; members 1,792; net-worth ratio 18.87%; health rank #5 of 4,374; healthier than 99th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#5 of 4,374 health · 2025Q4DECA · health 100/100 · $7.4M · 2025Q4
- BOOK 100/100
- CHARTER 18.9%
- NCUSIF 0.00%
- CAMELS 1.13%
- HEALTH $7.4M
- NW 1,792
- DELQ #5/4,374
- ROA n/a
- ASSETS 64825
Call Report peers
DECA carries $7.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
DECA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
DECA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64825 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
DECA vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 85.81% here, 63.60% peer average (+22.21 pp).
- Net Worth Ratio trails the peer set - 18.87% here, 19.06% peer average (-0.19 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
DECA in Ohio
- In Ohio, health place is #1 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #174 of 196 inside Ohio ($7.4M reported).
- Membership ranks #152 of 196 among Ohio CUs with a reported count (1,792 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How DECA's 5300 filing moved
DECA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $7.4M (2025Q4) to $7.4M (2026Q1).
- Net-worth ratio shifted +0.33 pp (18.54% → 18.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for DECA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.87% | -0.19 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.13% | +0.67 pp |
| Member Growth | 5.97% | - |
| Loan-to-Share Ratio | 85.81% | +22.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
DECA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.4M | - |
| 2025Q4 | $7.4M | 1,792 |
| 2024Q4 | $6.9M | 1,691 |
| 2023Q4 | $7.0M | 1,575 |
Credit Union Details
- Charter Number
- 64825
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for DECA.
| Office | City |
|---|---|
| DECA Credit Union (Main Office) | Cincinnati, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for DECA
Cross-state asset and health neighbours for DECA - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- DECA ranks #5 of 4,374 nationally on financial health and #1 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHAMPION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHAMPION
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is DECA financially healthy?
Yes/no aside, the number is 100/100 (Excellent) - DECA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #5 of 4,374; by total assets it ranks #3,706 of 4,374 nationally (same basis as /rankings/largest); and #174 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.87% net worth ratio and 0.00% delinquency rate are the key drivers.
How does DECA compare to other credit unions?
100/100 is DECA's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join DECA?
Membership eligibility for DECA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DECA directly for current membership requirements and application steps.
Is my money safe at DECA?
Federal credit unions like DECA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. DECA's net worth ratio of 18.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DECA offer compared to banks?
Credit unions like DECA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact DECA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.