Side-by-side · Q2 2026 data
Desert Valleys Federal Credit Union vs Calcom Federal Credit Union
Credit union
Desert Valleys Federal Credit Union
Ridgecrest, California · Under $100 million in assets
Metric by metric
| Measure | Desert Valleys Federal Credit Union | Calcom Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 82 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 76 | 86 (stronger) |
| Earnings | 53 (stronger) | 48 |
| Funding & liquidity | 97 (stronger) | 74 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 34th | 70th |
| Total assets | $88.8M | $83.9M |
| Deposits / shares | $79.4M | $70.0M |
| Capital ratio | 9.41% | 16.33% (stronger) |
| Problem loans | 0.73% | 0.42% (stronger) |
| Net charge-offs | 0.35% | 0.17% (stronger) |
| Return on assets | 0.81% (stronger) | 0.71% |
| Loans ÷ deposits | 54.1% (stronger) | 86.2% |
| Uninsured deposits | 17.6% | 8.5% (stronger) |
| Offices | 0 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Calcom Federal Credit Union has the higher TellerScore (82 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Desert Valleys Federal Credit Union leads on 2 and Calcom Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.