Federal credit union · PORTSMOUTH, Ohio · NCUA charter #15882
DESCO
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $524.5M
- Total assets
- 25,195
- Members
- 11.7%
- Net-worth ratio
DESCO scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $524.5M; members 25,195; net-worth ratio 11.74%; health rank #641 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#641 of 4,374 health · 2025Q4DESCO · health 93/100 · $524.5M · 2025Q4
Call Report peers
DESCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DESCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DESCO sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
DESCO: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.56 pp (11.74% vs 11.18%).
- Largest lag: Loan-to-Share Ratio at 69.64% vs peer 83.90% (-14.26 pp).
Ohio standing for DESCO
- Ohio health ordinal: #22 of 196.
- Assets rank #20 of 196 inside Ohio ($524.5M reported).
- Ohio membership ordinal: #28 of 196.
- One place up in Ohio, Middletown Area Schools (#21) ties at 93/100; one place down, Educational Community Alliance (#23) ties at 93/100.
Quarter path for DESCO
DESCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $524.5M (2025Q4) to $538.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (11.84% → 11.74%).
This credit union's 11.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
DESCO gives up 7 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.74% | +0.56 pp |
| Delinquency Rate | 0.66% | -0.21 pp |
| Return on Assets | 0.67% | +0.16 pp |
| Member Growth | 0.15% | - |
| Loan-to-Share Ratio | 69.64% | -14.26 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
DESCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $538.8M | - |
| 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
Branch Locations (9)
Per its most recent NCUA branch filing, DESCO runs 9 offices in 8 different cities across 3 states.
| Office | City |
|---|---|
| Desco Federal Credit Union (Main Office) | Portsmouth, OH |
| Desco | Ashland, KY |
| DESCO FEDERAL CREDIT UNION | Greenup, KY |
| DESCO | Huntington, WV |
| Desco | Ironton, OH |
| Desco Federal Credit Union | Lucasville, OH |
| Desco | Minford, OH |
| Desco | Portsmouth, OH |
| Desco | Wheelersburg, 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.
Nationwide credit unions with similar profiles
Using this data
- DESCO ranks #641 of 4,374 nationally on financial health and #22 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oucu Financial Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oucu Financial Credit Union, Inc.
Frequently Asked Questions
Is DESCO financially healthy?
On its 2025Q4 NCUA 5300 filing, DESCO scores 93/100 (Excellent), with a 11.74% net worth ratio and 0.66% of loans delinquent. It ranks #641 of 4,374 nationally on health and #22 of 196 in Ohio.
How does DESCO compare to other credit unions?
DESCO scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.74% vs 11.18%). Its widest shortfall is loan-to-share ratio (69.64% vs 83.90%).
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?
DESCO is a federal 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. DESCO's net worth ratio of 11.74% 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.