Side-by-side · Q2 2026 data
Desert Valleys Federal Credit Union vs County Schools Federal Credit Union
Credit union
Desert Valleys Federal Credit Union
Ridgecrest, California · Under $100 million in assets
Credit union
County Schools Federal Credit Union
Ventura, California · Under $100 million in assets
Metric by metric
| Measure | Desert Valleys Federal Credit Union | County Schools Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 34 |
| Capital cushion | 44 (stronger) | 35 |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 53 (stronger) | 25 |
| Funding & liquidity | 97 (stronger) | 90 |
| Problem-loan coverage | 93 (stronger) | 47 |
| Peer percentile | 34th | 2nd |
| Total assets | $88.8M | $91.0M |
| Deposits / shares | $79.4M | $83.0M |
| Capital ratio | 9.41% (stronger) | 8.51% |
| Problem loans | 0.73% (stronger) | 3.52% |
| Net charge-offs | 0.35% (stronger) | 0.60% |
| Return on assets | 0.81% (stronger) | 0.13% |
| Loans ÷ deposits | 54.1% (stronger) | 69.8% |
| Uninsured deposits | 17.6% | 9.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Desert Valleys Federal Credit Union has the higher TellerScore (67 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Desert Valleys Federal Credit Union leads on 6 and County Schools Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.