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
- PHOTO 82/100
- BOOK 15.1%
- CHARTER 1.76%
- NCUSIF 0.64%
- CAMELS $6.3M
- HEALTH 734
- NW #2,403/4,374
- DELQ n/a
- ROA 12028
Call Report peers
DENOCOS carries $6.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DENOCOS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
DENOCOS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12028. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for DENOCOS
DENOCOS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $6.3M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted +0.17 pp (14.91% → 15.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
DENOCOS's nationwide photo peers by assets and by health score, excluding California charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is DENOCOS financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, DENOCOS carries a financial health score of 82/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,403 of 4,374; by total assets it ranks #3,777 of 4,374 nationally (same basis as /rankings/largest); and #230 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.08% net worth ratio and a 1.76% delinquency rate.
How does DENOCOS compare to other credit unions?
Five weighted metrics from NCUA filings produce DENOCOS's 82/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like DENOCOS are 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."
What rates does DENOCOS offer compared to banks?
Credit unions like DENOCOS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact DENOCOS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.