DENOCOS
Charter #12028 · CRESCENT CITY, CA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.77% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.81% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.08% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 39th — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DENOCOS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.29M | 73th pct | 39th pct |
| Members | 758 | 66th pct | 34th pct |
| Net worth ratio | 15.08% | 39th pct | 56th pct |
| Return on average assets | 0.37% | 49th pct | 43th pct |
| Net interest margin | 2.77% | 17th pct | 10th pct |
| Cost of funds | 1.81% | 85th pct | 84th pct |
| Loan-to-share | 59.43% | 51th pct | 39th pct |
| Delinquency 60+ days | 2.08% | 69th pct | 84th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -10.77% | 25th pct | 10th pct |
| Share growth YoY | -1.82% | 35th pct | 16th pct |
| Efficiency ratio | 80.03% | 40th pct | 38th pct |
structural peer set hash: d80edbb82ce8023c525bfd7bfca31ad5… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.