Denocos

CRESCENT CITY, CA · 1 · Charter #12028 · www.denocoscu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.3M
30th percentile
Members
734
27th percentile
Total loans
$3.3M
33th percentile
Total shares
$5.4M
32th percentile

Profitability

Return on assets
0.80%
50th percentile
Net interest margin
3.34%
29th percentile
Efficiency ratio
47.59%
86th percentile
Non-interest income ratio
0.34%
9th percentile

Capital & Risk

Net worth ratio
14.91%
50th percentile
Delinquency rate
1.76%
27th percentile
Net charge-off rate
0.24%
48th percentile
Loan-to-share
62.19%
52th percentile

Growth

Member growth YoY
0.55%
73th percentile
Asset growth YoY
-3.69%
21th percentile
Loan growth YoY
-2.26%
53th percentile
Share growth YoY
-5.17%
20th percentile

Operations

Members / branch
734
35th percentile
Assets / member
$8,633
45th percentile
Field of membership penetration
73.40%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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