Side-by-side · Q2 2026 data
Desert Valleys Federal Credit Union vs Upward 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 | Upward Credit Union |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 44 | 64 (stronger) |
| Loan quality | 76 (stronger) | 62 |
| Earnings | 53 (stronger) | 49 |
| Funding & liquidity | 97 | 98 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 34th | 36th |
| Total assets | $88.8M | $92.7M |
| Deposits / shares | $79.4M | $79.5M |
| Capital ratio | 9.41% | 11.44% (stronger) |
| Problem loans | 0.73% (stronger) | 1.15% |
| Net charge-offs | 0.35% | 0.15% (stronger) |
| Return on assets | 0.81% (stronger) | 0.71% |
| Loans ÷ deposits | 54.1% (stronger) | 62.7% |
| Uninsured deposits | 17.6% | 1.4% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upward Credit Union has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Desert Valleys Federal Credit Union leads on 3 and Upward Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.