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
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DECA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DECA sits in 100 with 34 others.
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 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).
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).
- No Ohio credit union scores higher; the runner-up, Painesville Credit Union (#2) ties at 100/100.
How DECA's 5300 filing moved
DECA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $7.4M (2025Q4) to $7.4M (2026Q1).
- Net-worth ratio shifted +0.33 pp (18.54% → 18.87%).
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
Every pillar scores full marks, so all five contribute their maximum.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is DECA financially healthy?
On its 2025Q4 NCUA 5300 filing, DECA scores 100/100 (Excellent), with a 18.87% net worth ratio and 0.00% of loans delinquent. It ranks #5 of 4,374 nationally on health and #1 of 196 in Ohio.
How does DECA compare to other credit unions?
DECA scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (85.81% vs 63.60%). Its widest shortfall is net worth ratio (18.87% vs 19.06%).
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?
DECA is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.