Side-by-side · Q2 2026 data
BNC National Bank vs Desert Financial Credit Union
Metric by metric
| Measure | BNC National Bank | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 72 (stronger) | 71 |
| Loan quality | 72 | 84 (stronger) |
| Earnings | 65 (stronger) | 64 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 63rd | 88th |
| Total assets | $1.0B | $9.9B |
| Deposits / shares | $915.8M | $8.9B |
| Capital ratio | 12.21% (stronger) | 12.10% |
| Problem loans | 0.84% | 0.47% (stronger) |
| Net charge-offs | 0.61% | 0.29% (stronger) |
| Return on assets | 1.14% (stronger) | 1.11% |
| Loans ÷ deposits | 78.8% | 59.9% (stronger) |
| Uninsured deposits | 32.5% | 11.7% (stronger) |
| Offices | 10 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | 26.1% |
Desert Financial Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), BNC National Bank leads on 2 and Desert Financial Credit Union on 5. 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.