Desert Financial Credit Union
Total assets
$9.79B
▲ +8.0% YoY
Shares & deposits
$8.80B
▲ +5.9% YoY
Loans
$5.17B
▲ +15.9% YoY
Members
511,369
▲ +5.7% YoY
ROA (annualized)
0.87%
peers 0.71%
ROE (annualized)
7.52%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.1% | +2.8 pts |
| Share growth (YoY) | +5.9% | +4.9% | +1.0 pts |
| Loan growth (YoY) | +15.9% | +5.4% | +10.4 pts |
| ROA | 0.87% | 0.71% | +0.2 pts |
| ROE | 7.5% | 6.3% | +1.2 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 148 N 48Th St, Phoenix, AZ, 85034
- NCUA charter #
- 68713
- RSSD ID
- 622475
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.79B | $8.80B | $5.17B | $1.13B | $21.2M | 0.87% | 2.85% | 0.38% | 511,369 |
| Q4 2025 | $9.54B | $8.54B | $5.00B | $1.11B | $74.6M | 0.78% | 2.53% | 0.44% | 504,296 |
| Q3 2025 | $9.17B | $8.32B | $4.86B | $1.09B | $53.9M | 0.78% | 2.58% | 0.36% | 497,868 |
| Q2 2025 | $9.07B | $8.29B | $4.65B | $1.07B | $35.8M | 0.79% | 2.53% | 0.31% | 489,538 |
| Q1 2025 | $9.07B | $8.31B | $4.46B | $1.05B | $15.0M | 0.66% | 2.43% | 0.25% | 483,885 |
| Q4 2024 | $8.78B | $7.96B | $4.32B | $1.04B | $72.2M | 0.82% | 2.25% | 0.29% | 476,864 |
| Q3 2024 | $8.90B | $7.74B | $4.23B | $1.03B | $60.6M | 0.91% | 2.19% | 0.22% | 472,620 |
| Q2 2024 | $8.77B | $7.68B | $4.13B | $1.01B | $39.9M | 0.91% | 2.22% | 0.23% | 465,640 |
Loan mix (Q1 2026): real estate $2.63B · commercial $876.9M · consumer $1.64B · securities $3.47B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.71% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.32% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 73.0% | 53th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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