DESCO
Federal • PORTSMOUTH, Ohio • Est. 1963
Quick Facts
- Charter Number
- #15882
- Type
- Federal
- Established
- 1963
- Headquarters
- PORTSMOUTH, Ohio 45662
- Address
- P.O. BOX 1546
- Branches
- 9
- ATMs
- 9
- Members
- 25,195
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
25,195 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DESCO |
|---|---|
| Total Assets | $524.5M |
| Members | 25,195 |
| Loans Outstanding | $319.4M |
| Shares & Deposits | $458.7M |
| Net Worth | $62.1M |
| Net Worth Ratio | 11.84% |
| Loan-to-Share Ratio | 69.6% |
| Delinquency Rate | 0.66% |
| Net Income | +$7,012,593 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 9 ATMs
Desco Federal Credit Union
Main Office401 Chillicothe St
Portsmouth, OH 45662
Desco
414 Washington St
Portsmouth, OH 45662
Desco
8790 Ohio River Rd
Wheelersburg, OH 45694
Desco
2915 S 3rd St
Ironton, OH 45638
Desco
1211 Carter Ave
Ashland, KY 41101-7514
Who Can Join DESCO?
Membership Type: Other/Unknown
Membership eligibility for DESCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact DESCO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Ohio RankingsFrequently Asked Questions
Yes. DESCO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, DESCO has 25,195 members and a potential membership field of 700,000 people.
DESCO's net worth ratio is 11.84% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.8%, DESCO meets this threshold.
DESCO operates 9 branch locations and has access to 9 ATMs. The main office is located at 401 Chillicothe St, Portsmouth, OH 45662.
DESCO was established in 1963. It is a federal credit union chartered under charter number 15882. The institution has been serving members for 63 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or DESCO. All financial data is for informational purposes only.