Side-by-side · Q2 2026 data
Coconino Federal Credit Union vs Desert Financial Credit Union
Metric by metric
| Measure | Coconino Federal Credit Union | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 59 | 71 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 49 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 71st | 88th |
| Total assets | $126.0M | $9.9B |
| Deposits / shares | $111.2M | $8.9B |
| Capital ratio | 10.86% | 12.10% (stronger) |
| Problem loans | 0.09% (stronger) | 0.47% |
| Net charge-offs | 1.02% | 0.29% (stronger) |
| Return on assets | 0.73% | 1.11% (stronger) |
| Loans ÷ deposits | 52.5% (stronger) | 59.9% |
| Uninsured deposits | 5.4% (stronger) | 11.7% |
| Offices | 3 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.1% |
Desert Financial Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Coconino Federal Credit Union leads on 3 and Desert Financial Credit Union on 4. 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.