Side-by-side · Q2 2026 data
Desert Valleys Federal Credit Union vs Union Yes 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 | Union Yes Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 74 (stronger) |
| Capital cushion | 44 (stronger) | 36 |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 53 | 68 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 34th | 49th |
| Total assets | $88.8M | $89.0M |
| Deposits / shares | $79.4M | $80.0M |
| Capital ratio | 9.41% (stronger) | 8.62% |
| Problem loans | 0.73% | 0.00% (stronger) |
| Net charge-offs | 0.35% | -0.03% (stronger) |
| Return on assets | 0.81% | 1.20% (stronger) |
| Loans ÷ deposits | 54.1% | 48.7% (stronger) |
| Uninsured deposits | 17.6% | 14.1% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Yes Federal Credit Union has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Desert Valleys Federal Credit Union leads on 1 and Union Yes Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.