Federal credit union · PORTSMOUTH, Ohio · NCUA charter #15882
Desco
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $524.5M
- Total assets
- 25,195
- Members
- 7.5%
- Net-worth ratio
Desco - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15882, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Desco - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)80
- Asset quality (delinquency)94
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)99
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.54% | 30% |
| Delinquency Rate | 0.66% | 25% |
| Return on Assets | 0.67% | 15% |
| Member Growth | 0.15% | 15% |
| Loan-to-Share Ratio | 69.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $524.5M | 25,195 |
| 2024Q4 | $496.5M | 25,157 |
| 2023Q4 | $462.6M | 24,986 |
Credit Union Details
- Charter Number
- 15882
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Ohio
- City
- PORTSMOUTH
- Data Quarter
- 2025Q4
What This Data Says About Desco
The five-factor composite scores Desco at 86/100 (Excellent), reflecting a net worth ratio of 7.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in PORTSMOUTH, Ohio, reports 25,195 members, $524.5M in total assets, and $319.4M in outstanding loans as of Q4 2025 under charter #15882 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Deposits deployed into lending sit at a 69.64% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.66% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.67% on net income of $3.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.15%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Desco financially healthy?
Desco scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.54% net worth ratio and a 0.66% delinquency rate.
How does Desco compare to other credit unions?
86/100 is Desco's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Desco?
Desco operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Desco directly for the exact boundaries and application steps.
Is my money safe at Desco?
Federal credit unions like Desco 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. Desco's net worth ratio of 7.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Desco offer compared to banks?
Credit unions like Desco 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 Desco directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.