TellerScore

Desco Federal Credit Union is a federal credit union headquartered in Portsmouth, Ohio, in business for about 63 years. At the end of Q2 2026 it reported $550.7M in total assets and $481.4M in member shares and deposits, with 6 offices across 3 states.

Based on its Q2 2026 filing, Desco Federal Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 73rd. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is earnings (59/100; 0.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.77%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity93/100
Loans ÷ shares: 66.8% · 12.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.55%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
687378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202469
Q1 202578
Q2 202577
Q3 202577
Q4 202576
Q1 202676
Q2 202676
Net worth ratio
7.00%9.42%11.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.66%
Q3 202410.78%
Q4 202411.23%
Q1 202511.14%
Q2 202511.43%
Q3 202511.83%
Q4 202511.84%
Q1 202611.74%
Q2 202611.77%
Delinquent loans (60+ days)
0.38%0.56%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.65%
Q4 20240.73%
Q1 20250.38%
Q2 20250.44%
Q3 20250.54%
Q4 20250.66%
Q1 20260.49%
Q2 20260.51%
Return on assets
0.63%0.98%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.67%
Q4 20240.71%
Q1 20251.32%
Q2 20251.24%
Q3 20251.22%
Q4 20251.21%
Q1 20260.89%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$550.7M11.77%0.51%0.98%66.8%
Q1 202676$538.8M11.74%0.49%0.89%67.7%
Q4 202576$524.5M11.84%0.66%1.21%69.6%
Q3 202577$510.9M11.83%0.54%1.22%71.1%
Q2 202577$515.8M11.43%0.44%1.24%70.1%
Q1 202578$515.8M11.14%0.38%1.32%69.7%
Q4 202469$496.5M11.23%0.73%0.71%73.1%
Q3 202468$508.1M10.78%0.65%0.67%76.5%
Q2 202470$505.2M10.66%0.39%0.63%76.8%

1,341 peers · $100 million – $1 billion

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 ratio11.77%
55th
Problem loans0.51%
63rd
Net charge-offs0.12%
82nd
Return on assets0.98%
65th
Loans to deposits66.8%
68th
Uninsured deposits12.7%
9th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
68th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Oucu Financial Credit Union, Inc.Credit union Athens, OH55 out of 100, Moderate$526.8M11.5%1.17%vs
Firelands Federal Credit UnionCredit union Bellevue, OH68 out of 100, Moderate$579.9M9.6%0.82%vs
River Valley Credit UnionCredit union Miamisburg, OH73 out of 100, Strong$502.3M12.0%0.48%vs
Cme Federal Credit UnionCredit union Columbus, OH61 out of 100, Moderate$480.9M8.6%0.66%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Century Federal Credit UnionCredit union Independence, OH65 out of 100, Moderate$469.9M10.9%0.63%vs

Deposit insurance

Is my money safe at Desco Federal Credit Union?

Yes. Desco Federal Credit Union is a federally insured credit union (NCUA charter #15882). 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 12.7% of shares and deposits ($61.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.77%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Desco Federal Credit Union lists 6 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Desco Federal Credit Union
Type
Federal credit union
NCUA charter #
15882
RSSD ID
427287
Primary regulator
NCUA
Established
1963
Headquarters
P.O. Box 1546, Portsmouth, OH 45662
Employees
120

Quick answers

Desco Federal Credit Union: common questions

Is Desco Federal Credit Union NCUA insured?

Yes. Desco Federal Credit Union is a federally insured credit union (NCUA charter #15882). 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 Desco Federal Credit Union's TellerScore?

76 out of 100 (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 Desco Federal Credit Union have?

6 offices as of the latest NCUA data, in 3 states.

Nearby

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