Deca
Cincinnati, OH · Charter 64825 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
$7.6MAssets
$5.2MLoans
$6.1MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 2 of 26).
- Widest gap: net interest margin trails 58% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 15 of 26).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.74%
Rank 2 of 26
Net Interest Margin
3.88%
Rank 15 of 26
Efficiency Ratio
56.67%
Rank 2 of 26
Equity / Assets
18.93%
Rank 3 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.41% | 0.79% | 1.34% | Beats 92% | 2 / 26 | | |
| Return on Equity | 9.21% | 3.53% | 6.04% | 8.49% | Beats 85% | 4 / 26 | | |
| Net Interest Margin | 3.88% | 3.25% | 4.11% | 4.64% | Beats 42% | 15 / 26 | | |
| Efficiency Ratio | 56.67% | 71.52% | 75.99% | 84.12% | Beats 96% | 2 / 26 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.40% | 1.09% | 2.09% | Beats 73% | 8 / 26 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.93% | 10.31% | 12.73% | 15.29% | Beats 88% | 3 / 26 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.93% | 10.31% | 12.73% | 15.29% | Beats 88% | 3 / 26 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.84% | 51.92% | 65.22% | 76.21% | 88th pctl | 3 / 26 | | |
| Loans / Assets | 68.75% | 44.32% | 54.77% | 68.75% | 73rd pctl | 7 / 26 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |