Side-by-side · Q2 2026 data
Desert Rivers Federal Credit Union vs Members First Credit Union
Metric by metric
| Measure | Desert Rivers Federal Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 50 | 95 (stronger) |
| Capital cushion | 34 | 99 (stronger) |
| Loan quality | 55 | 86 (stronger) |
| Earnings | 40 | 93 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 74 | 97 (stronger) |
| Peer percentile | 6th | 98th |
| Total assets | $116.7M | $209.1M |
| Deposits / shares | $106.4M | $175.7M |
| Capital ratio | 8.44% | 14.91% (stronger) |
| Problem loans | 1.34% | 0.43% (stronger) |
| Net charge-offs | 0.77% | 0.10% (stronger) |
| Return on assets | 0.51% | 1.82% (stronger) |
| Loans ÷ deposits | 90.7% | 54.8% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 5.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members First Credit Union has the higher TellerScore (95 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Desert Rivers Federal Credit Union leads on 1 and Members First Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.