Credit Union Safety Analysis
Is Deca Credit Union, Inc. Safe? Cincinnati, Ohio
Based on its Q2 2026 NCUA 5300 call report, Deca Credit Union, Inc. has a net worth ratio of 18.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Deca Credit Union, Inc.'s net worth ratio is 18.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.92%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): 1.76%
- Loan-to-share ratio (Q2 2026): 84.83%
Deca Credit Union, Inc. (NCUA charter 64825, established 1958) reported $7.6M in assets and 1,821 members for Q2 2026 from Cincinnati, Ohio. It ranks 172 of 191 credit unions in Ohio by total assets. Total assets grew 4.4% from $7.2M on June 30, 2025. It has 125 more members than on June 30, 2025 (+7.4%). Its net worth ratio was up 0.86 percentage points from 18.06% on June 30, 2025. Used vehicle loans are its largest loan category, $3.3M of $5.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 18.87% for Q1 2026; 18.06% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.09% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.75% for Q1 2026; 1.70% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 85.87% for Q1 2026; 88.58% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.3M
- New vehicle loans: $1.7M
- Other secured non-real estate loans and lines of credit: $186K
- Other unsecured loans and lines of credit: $52K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.6M | 18.92% | 0.45% | 1.76% | 84.83% |
| March 31, 2026 | $7.4M | 18.87% | — | 1.75% | 85.87% |
| December 31, 2025 | $7.4M | 18.54% | — | 1.34% | 85.81% |
| September 30, 2025 | $7.3M | 18.32% | — | 1.80% | 89.38% |
| June 30, 2025 | $7.2M | 18.06% | 0.09% | 1.70% | 88.58% |
| March 31, 2025 | $7.1M | 18.07% | 0.47% | 1.79% | 87.31% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Deca Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 64825) · FFIEC NIC profile (RSSD 1001095)
Frequently asked questions
Is Deca Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Deca Credit Union, Inc.'s net worth ratio is 18.92%, above the 7% NCUA threshold for well capitalized.
Is Deca Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Deca Credit Union, Inc. is a federally insured credit union (NCUA charter 64825): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Deca Credit Union, Inc.'s key safety ratios?
For Q2 2026, Deca Credit Union, Inc. reports net worth 18.92%, delinquency 0.45%, ROA 1.76%, loan-to-share 84.83%.
What happens to my money if Deca Credit Union, Inc. fails?
For Q2 2026, Deca Credit Union, Inc. held $6.1M in shares and deposits for 1,821 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.