Side-by-side · Q2 2026 data
Banner Federal Credit Union vs Desert Financial Credit Union
Metric by metric
| Measure | Banner Federal Credit Union | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 85 (stronger) | 71 |
| Loan quality | 77 | 84 (stronger) |
| Earnings | 53 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 65th | 88th |
| Total assets | $65.2M | $9.9B |
| Deposits / shares | $56.4M | $8.9B |
| Capital ratio | 13.48% (stronger) | 12.10% |
| Problem loans | 0.70% | 0.47% (stronger) |
| Net charge-offs | 0.38% | 0.29% (stronger) |
| Return on assets | 0.83% | 1.11% (stronger) |
| Loans ÷ deposits | 41.1% (stronger) | 59.9% |
| Uninsured deposits | 5.2% (stronger) | 11.7% |
| Offices | 4 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Banner Federal Credit Union leads on 3 and Desert Financial Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.