DECA
Charter #64825 · Cincinnati, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,799 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.75% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | DECA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.41M | 83th pct | 66th pct |
| Members | 1,799 | 96th pct | 87th pct |
| Net worth ratio | 18.87% | 54th pct | 66th pct |
| Return on average assets | 1.75% | 87th pct | 85th pct |
| Net interest margin | 3.92% | 47th pct | 33th pct |
| Cost of funds | 0.13% | 24th pct | 11th pct |
| Loan-to-share | 85.87% | 84th pct | 70th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.03% | 18th pct | 18th pct |
| Loan growth YoY | -3.44% | 59th pct | 34th pct |
| Share growth YoY | 0.50% | 53th pct | 33th pct |
| Efficiency ratio | 56.34% | 13th pct | 13th pct |
structural peer set hash: 932ba0faa607fed80744143c53a4e338… (reproducible)
Closest structural peers
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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.