Side-by-side · Q2 2026 data
Oneaz Credit Union vs Desert Financial Credit Union
Metric by metric
| Measure | Oneaz Credit Union | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 54 | 71 (stronger) |
| Loan quality | 78 | 84 (stronger) |
| Earnings | 67 (stronger) | 64 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 62nd | 88th |
| Total assets | $4.5B | $9.9B |
| Deposits / shares | $4.0B | $8.9B |
| Capital ratio | 10.44% | 12.10% (stronger) |
| Problem loans | 0.66% | 0.47% (stronger) |
| Net charge-offs | 0.44% | 0.29% (stronger) |
| Return on assets | 1.16% (stronger) | 1.11% |
| Loans ÷ deposits | 76.5% | 59.9% (stronger) |
| Uninsured deposits | 16.9% | 11.7% (stronger) |
| Offices | 20 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.8% | 26.1% |
Desert Financial Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Oneaz Credit Union leads on 1 and Desert Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.