TellerScore

Denocos Federal Credit Union (NCUA charter #12028) is based in Crescent City, California. Its Q2 2026 call report shows $6.2M in total assets and $5.3M in member shares and deposits and 1 office.

Denocos Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 132nd. Capital cushion contributes the most (100/100, 15.32%); earnings contributes the least (33/100, 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.32%
Loan quality33/100
Loans 60+ days delinquent ÷ total loans: 2.01%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity96/100
Loans ÷ shares: 63.8% · 1.5% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 14 points (82 → 68), mostly because the loan quality component weakened by 45 points.

TellerScore
687582Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202470
Q1 202580
Q2 202582
Q3 202581
Q4 202574
Q1 202668
Q2 202668
Net worth ratio
7.00%11.16%15.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.78%
Q3 202413.84%
Q4 202413.59%
Q1 202513.96%
Q2 202514.09%
Q3 202514.64%
Q4 202514.91%
Q1 202615.08%
Q2 202615.32%
Delinquent loans (60+ days)
0.67%1.38%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.34%
Q3 20241.83%
Q4 20241.62%
Q1 20250.90%
Q2 20250.67%
Q3 20250.88%
Q4 20251.76%
Q1 20262.08%
Q2 20262.01%
Return on assets
0.32%0.62%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.58%
Q4 20240.61%
Q1 20250.87%
Q2 20250.92%
Q3 20250.82%
Q4 20250.80%
Q1 20260.37%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$6.2M15.32%2.01%0.32%63.8%
Q1 202668$6.3M15.08%2.08%0.37%59.4%
Q4 202574$6.3M14.91%1.76%0.80%62.2%
Q3 202581$6.4M14.64%0.88%0.82%65.4%
Q2 202582$6.6M14.09%0.67%0.92%62.9%
Q1 202580$6.5M13.96%0.90%0.87%59.1%
Q4 202470$6.6M13.59%1.62%0.61%60.3%
Q3 202468$6.4M13.84%1.83%0.58%65.5%
Q2 202470$6.3M13.78%1.34%0.46%69.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.32%
56th
Problem loans2.01%
21st
Net charge-offs-0.19%
96th
Return on assets0.32%
33rd
Loans to deposits63.8%
42nd
Uninsured deposits1.5%
49th
Loan-loss reserves1.92%
89th
Texas ratio6.6%
22nd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Episcopal Community Federal Credit UnionCredit union Los Angeles, CA34 out of 100, Low$6.7M7.6%5.08%vs
Santa Maria Associated Employees Federal Credit UnionCredit union Santa Maria, CA67 out of 100, Moderate$4.8M9.6%0.21%vs
Valley Agricultural Federal Credit UnionCredit union Santa Paula, CA57 out of 100, Moderate$4.6M11.6%2.01%vs
L. A. Mission Federal Credit UnionCredit union San Fernando, CA56 out of 100, Moderate$8.6M12.2%4.64%vs
Sunkist Employees Federal Credit UnionCredit union Valencia, CA100 out of 100, Very strong$3.8M33.6%0.00%vs
U.S.B. Employees Federal Credit UnionCredit union Wilmington, CA96 out of 100, Very strong$3.2M20.2%0.00%vs

Deposit insurance

Is my money safe at Denocos Federal Credit Union?

Yes. Denocos Federal Credit Union is a federally insured credit union (NCUA charter #12028). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.5% of shares and deposits ($79K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Denocos Federal Credit Union lists 1 office in 1 city. Most locations:

  • Crescent City, CA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Denocos Federal Credit Union
Type
Federal credit union
NCUA charter #
12028
RSSD ID
84185
Primary regulator
NCUA
Established
1957
Headquarters
1244 Glenn St, Crescent City, CA 95531
Employees
2

Quick answers

Denocos Federal Credit Union: common questions

Is Denocos Federal Credit Union NCUA insured?

Yes. Denocos Federal Credit Union is a federally insured credit union (NCUA charter #12028). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Denocos Federal Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Denocos Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Crescent City

InstitutionScoreAssetsCapitalProblem loansCompare
Evergreen Federal BankBank Grants Pass, OR75 out of 100, Strong$621.6M13.2%0.63%vs
Coast Central Credit UnionCredit union Eureka, CA74 out of 100, Strong$2.3B12.0%0.70%vs
Tri Counties BankBank Chico, CA70 out of 100, Strong$9.9B12.0%0.94%vs
Rogue Credit UnionCredit union Medford, OR67 out of 100, Moderate$4.3B10.4%0.95%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
JPMorgan Chase Bank, National AssociationBank Columbus, OH61 out of 100, Moderate$4.1T7.5%0.78%vs