Side-by-side · Q2 2026 data
Desert Rivers Federal Credit Union vs Pacific Horizon Credit Union
Metric by metric
| Measure | Desert Rivers Federal Credit Union | Pacific Horizon Credit Union |
|---|---|---|
| TellerScore | 50 | 53 (stronger) |
| Capital cushion | 34 | 43 (stronger) |
| Loan quality | 55 (stronger) | 40 |
| Earnings | 40 | 58 (stronger) |
| Funding & liquidity | 70 | 75 (stronger) |
| Problem-loan coverage | 74 (stronger) | 70 |
| Peer percentile | 6th | 9th |
| Total assets | $116.7M | $141.4M |
| Deposits / shares | $106.4M | $127.7M |
| Capital ratio | 8.44% | 9.30% (stronger) |
| Problem loans | 1.34% (stronger) | 1.81% |
| Net charge-offs | 0.77% | 0.62% (stronger) |
| Return on assets | 0.51% | 0.95% (stronger) |
| Loans ÷ deposits | 90.7% | 85.5% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 6.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific Horizon Credit Union has the higher TellerScore (53 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Desert Rivers Federal Credit Union leads on 2 and Pacific Horizon Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.