Side-by-side · Q2 2026 data
Gainey Business Bank vs Desert Financial Credit Union
Metric by metric
| Measure | Gainey Business Bank | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 67 | 80 (stronger) |
| Capital cushion | 79 (stronger) | 71 |
| Loan quality | 98 (stronger) | 84 |
| Earnings | 17 | 64 (stronger) |
| Funding & liquidity | 36 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 34th | 88th |
| Total assets | $106.6M | $9.9B |
| Deposits / shares | $89.7M | $8.9B |
| Capital ratio | 12.89% (stronger) | 12.10% |
| Problem loans | 0.07% (stronger) | 0.47% |
| Net charge-offs | 0.42% | 0.29% (stronger) |
| Return on assets | -0.07% | 1.11% (stronger) |
| Loans ÷ deposits | 106.0% | 59.9% (stronger) |
| Uninsured deposits | 31.4% | 11.7% (stronger) |
| Offices | 1 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.1% |
Desert Financial Credit Union has the higher TellerScore (80 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Gainey Business Bank leads on 2 and Desert Financial Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.