BlastPoint's Credit Union Scorecard
DENOCOS
Charter #12028 · CA
DENOCOS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.58% above tier average
- - Fee Income Per Member: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
758
+3.6% YoY+3.3% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$6.3M
-3.2% YoY-0.7% QoQ
|
$-23.9M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$3.2M
-4.0% YoY-5.3% QoQ
|
$-12.1M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$5.3M
-4.5% YoY-0.9% QoQ
|
$-20.5M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
0.4%
-57.5% YoY-54.2% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
2.8%
-15.2% YoY-16.4% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
80.0%
+13.8% YoY+14.4% QoQ
|
-10.6% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
2.1%
+131.6% YoY+18.0% QoQ
|
+0.6 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
59.4%
+0.6% YoY-4.4% QoQ
|
+0.9% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$11,195
-7.6% YoY-5.7% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)