Side-by-side · Q2 2026 data
U.S.B. Employees Federal Credit Union vs Denocos Federal Credit Union
Credit union
U.S.B. Employees Federal Credit Union
Wilmington, California · Under $100 million in assets
Credit union
Denocos Federal Credit Union
Crescent City, California · Under $100 million in assets
Metric by metric
| Measure | U.S.B. Employees Federal Credit Union | Denocos Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 68 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 33 |
| Earnings | 81 (stronger) | 33 |
| Funding & liquidity | 100 (stronger) | 96 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 97th | 36th |
| Total assets | $3.2M | $6.2M |
| Deposits / shares | $2.6M | $5.3M |
| Capital ratio | 20.23% (stronger) | 15.32% |
| Problem loans | 0.00% (stronger) | 2.01% |
| Net charge-offs | 0.00% | -0.19% (stronger) |
| Return on assets | 1.53% (stronger) | 0.32% |
| Loans ÷ deposits | 9.4% (stronger) | 63.8% |
| Uninsured deposits | 0.0% (stronger) | 1.5% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.S.B. Employees Federal Credit Union has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), U.S.B. Employees Federal Credit Union leads on 6 and Denocos Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.