DESCO
Charter #15882 · PORTSMOUTH, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,083 sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 0.90% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 74th — a 37-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DESCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $538.85M | 12th pct | 20th pct |
| Members | 25,083 | 6th pct | 18th pct |
| Net worth ratio | 11.74% | 70th pct | 66th pct |
| Return on average assets | 0.90% | 67th pct | 75th pct |
| Net interest margin | 3.32% | 37th pct | 74th pct |
| Cost of funds | 1.44% | 47th pct | 44th pct |
| Loan-to-share | 67.67% | 20th pct | 30th pct |
| Delinquency 60+ days | 0.49% | 38th pct | 48th pct |
| Net charge-off ratio | 0.14% | 13th pct | 26th pct |
| Loan growth YoY | 0.53% | 47th pct | 46th pct |
| Share growth YoY | 5.61% | 76th pct | 66th pct |
| Efficiency ratio | 77.29% | 46th pct | 31th pct |
structural peer set hash: efad73cdfba575f94e8b489a2fdee4c8… (reproducible)
Closest structural peers
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Claim DESCO
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.