Federal credit union · CRESCENT CITY, California · NCUA charter #12028
DENOCOS
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $6.3M
- Total assets
- 734
- Members
- 15.1%
- Net-worth ratio
DENOCOS scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.3M; members 734; net-worth ratio 15.08%; health rank #2,403 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,403 of 4,374 health · 2025Q4DENOCOS · health 82/100 · $6.3M · 2025Q4
Call Report peers
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DENOCOS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DENOCOS sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
DENOCOS vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +0.19 pp (0.64% vs 0.45%).
- Largest lag: Net Worth Ratio at 15.08% vs peer 19.06% (-3.98 pp).
California standing for DENOCOS
- Health composite ranks #145 of 243 among scored California credit unions.
- California assets place: #230 of 243.
- Membership ranks #228 of 243 among California CUs with a reported count (734 members).
- One place up in California, Fresno Police Department (#144) ties at 82/100; one place down, California Community (#146) ties at 82/100.
Quarter path for DENOCOS
DENOCOS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $6.3M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted +0.17 pp (14.91% → 15.08%).
At 15.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
DENOCOS gives up 18 points in total. Delinquency Rate costs the most, 10.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for DENOCOS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.08% | -3.98 pp |
| Delinquency Rate | 1.76% | -0.04 pp |
| Return on Assets | 0.64% | +0.19 pp |
| Member Growth | 0.55% | - |
| Loan-to-Share Ratio | 62.19% | -1.41 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - DENOCOS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.3M | - |
| 2025Q4 | $6.3M | 734 |
| 2024Q4 | $6.6M | 730 |
| 2023Q4 | $6.3M | 717 |
Credit Union Details
- Charter Number
- 12028
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- California
- City
- CRESCENT CITY
- Data Quarter
- 2025Q4
Branch Location
DENOCOS operates a single office in Crescent City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Denocos Federal Credit Union (Main Office) | Crescent City, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for DENOCOS
Similar health score
Using this data
- DENOCOS ranks #2,403 of 4,374 nationally on financial health and #145 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Episcopal Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Episcopal Community
Frequently Asked Questions
Is DENOCOS financially healthy?
On its 2025Q4 NCUA 5300 filing, DENOCOS scores 82/100 (Excellent), with a 15.08% net worth ratio and 1.76% of loans delinquent. It ranks #2,403 of 4,374 nationally on health and #145 of 243 in California.
How does DENOCOS compare to other credit unions?
DENOCOS scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (0.64% vs 0.45%). Its widest shortfall is net worth ratio (15.08% vs 19.06%).
How can I join DENOCOS?
DENOCOS is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact DENOCOS directly to confirm eligibility.
Is my money safe at DENOCOS?
DENOCOS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. DENOCOS's net worth ratio of 15.08% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.