Denocos
Crescent City, CA · Charter 12028 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$6.2MAssets
$3.4MLoans
$5.3MShares
$955KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 69% of credit unions under $1B in assets (rank 516 of 1683).
- Widest gap: net interest margin trails 89% of credit unions under $1B in assets (rank 1490 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.32%
Rank 1,292 of 1,683
Net Interest Margin
2.92%
Rank 1,490 of 1,683
Efficiency Ratio
82.42%
Rank 1,056 of 1,682
Equity / Assets
15.32%
Rank 516 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,292 / 1,683 | |
| Return on Equity | 2.09% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,335 / 1,681 | |
| Net Interest Margin | 2.92% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,490 / 1,683 | |
| Efficiency Ratio | 82.42% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,056 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.00% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,447 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 516 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 516 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 63.76% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,004 / 1,683 | |
| Loans / Assets | 53.80% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,004 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |