Side-by-side · Q2 2026 data
Evergreen Federal Bank vs Denocos Federal Credit Union
Credit union
Denocos Federal Credit Union
Crescent City, California · Under $100 million in assets
Metric by metric
| Measure | Evergreen Federal Bank | Denocos Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 68 |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 79 (stronger) | 33 |
| Earnings | 52 (stronger) | 33 |
| Funding & liquidity | 70 | 96 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 61st | 36th |
| Total assets | $621.6M | $6.2M |
| Deposits / shares | $536.6M | $5.3M |
| Capital ratio | 13.24% | 15.32% (stronger) |
| Problem loans | 0.63% (stronger) | 2.01% |
| Net charge-offs | 0.06% | -0.19% (stronger) |
| Return on assets | 0.81% (stronger) | 0.32% |
| Loans ÷ deposits | 90.4% | 63.8% (stronger) |
| Uninsured deposits | 14.4% | 1.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
Evergreen Federal Bank has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Evergreen Federal Bank leads on 3 and Denocos Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.