TellerScore

Deca Credit Union is a federally insured state-chartered credit union headquartered in Cincinnati, Ohio, in business for about 68 years. At the end of Q2 2026 it reported $7.6M in total assets and $6.1M in member shares and deposits, with 1 office.

Deca Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 15th. Capital cushion contributes the most (100/100, 18.92%); funding & liquidity contributes the least (75/100, 85% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.92%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings89/100
Return on assets (annualized): 1.74%
Funding & liquidity75/100
Loans ÷ shares: 84.8% · 0.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.60%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (93 → 90), mostly because the loan quality component weakened by 12 points.

TellerScore
818894Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202493
Q4 202489
Q1 202590
Q2 202593
Q3 202594
Q4 202593
Q1 202694
Q2 202690
Net worth ratio
7.00%12.96%18.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.51%
Q3 202417.75%
Q4 202417.97%
Q1 202518.07%
Q2 202518.06%
Q3 202518.32%
Q4 202518.54%
Q1 202618.87%
Q2 202618.92%
Delinquent loans (60+ days)
0.00%0.66%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.32%
Q3 20240.00%
Q4 20240.08%
Q1 20250.47%
Q2 20250.09%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.45%
Return on assets
1.20%1.49%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.55%
Q3 20241.56%
Q4 20241.20%
Q1 20251.79%
Q2 20251.72%
Q3 20251.74%
Q4 20251.63%
Q1 20261.75%
Q2 20261.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$7.6M18.92%0.45%1.74%84.8%
Q1 202694$7.4M18.87%0.00%1.75%85.9%
Q4 202593$7.4M18.54%0.00%1.63%85.8%
Q3 202594$7.3M18.32%0.00%1.74%89.4%
Q2 202593$7.2M18.06%0.09%1.72%88.6%
Q1 202590$7.1M18.07%0.47%1.79%87.3%
Q4 202489$6.9M17.97%0.08%1.20%85.0%
Q3 202493$7.0M17.75%0.00%1.56%80.5%
Q2 202481$7.0M17.51%1.32%1.55%81.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.92%
74th
Problem loans0.45%
60th
Net charge-offs-0.01%
88th
Return on assets1.74%
90th
Loans to deposits84.8%
14th
Uninsured deposits0.1%
62nd
Loan-loss reserves0.62%
79th
Texas ratio1.6%
57th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
St. Colman & Affiliates Federal Credit UnionCredit union Cleveland, OH67 out of 100, Moderate$7.7M8.6%0.00%vs
Champion Federal Credit UnionCredit union Cambridge, OH55 out of 100, Moderate$7.8M11.6%3.79%vs
Greater Cleveland Community Credit UnionCredit union Cleveland, OH54 out of 100, Below average$8.9M20.5%3.27%vs
Columbiana County School Empl Credit UnionCredit union Lisbon, OH74 out of 100, Strong$6.0M25.4%0.65%vs
St. Paschal Baylons Federal Credit UnionCredit union Highland Height, OH79 out of 100, Strong$5.9M12.7%0.00%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs

Deposit insurance

Is my money safe at Deca Credit Union?

Yes. Deca Credit Union is a federally insured credit union (NCUA charter #64825). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.1% of shares and deposits ($8K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Deca Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Deca Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64825
RSSD ID
1001095
Primary regulator
State + NCUA
Established
1958
Headquarters
3118 Colerain Ave, Cincinnati, OH 45225
Employees
2

Quick answers

Deca Credit Union: common questions

Is Deca Credit Union NCUA insured?

Yes. Deca Credit Union is a federally insured credit union (NCUA charter #64825). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Deca Credit Union's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Deca Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cincinnati

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs