Side-by-side · Q2 2026 data
VA Desert Pacific Federal Credit Union vs Union Yes Federal Credit Union
Credit union
VA Desert Pacific Federal Credit Union
Long Beach, California · Under $100 million in assets
Metric by metric
| Measure | VA Desert Pacific Federal Credit Union | Union Yes Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 36 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 47 | 68 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 49th |
| Total assets | $98.8M | $89.0M |
| Deposits / shares | $78.1M | $80.0M |
| Capital ratio | 21.05% (stronger) | 8.62% |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.58% | -0.03% (stronger) |
| Return on assets | 0.69% | 1.20% (stronger) |
| Loans ÷ deposits | 79.8% | 48.7% (stronger) |
| Uninsured deposits | 12.5% (stronger) | 14.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
VA Desert Pacific Federal Credit Union has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), VA Desert Pacific Federal Credit Union leads on 3 and Union Yes Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.