TellerScore

Desert Valleys Federal Credit Union (NCUA charter #5366) is based in Ridgecrest, California. Its Q2 2026 call report shows $88.8M in total assets and $79.4M in member shares and deposits.

Based on its Q2 2026 filing, Desert Valleys Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 137th. Its strongest component is funding & liquidity (97/100; 54% loans-to-deposits, 18% uninsured), and its lowest is capital cushion (44/100; 9.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.41%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings53/100
Return on assets (annualized): 0.81%
Funding & liquidity97/100
Loans ÷ shares: 54.1% · 17.6% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (70 → 67), mostly because the loan quality component weakened by 17 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202463
Q4 202466
Q1 202568
Q2 202570
Q3 202572
Q4 202572
Q1 202668
Q2 202667
Net worth ratio
7.00%8.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.61%
Q3 20248.45%
Q4 20249.06%
Q1 20259.51%
Q2 20258.67%
Q3 20259.27%
Q4 20259.18%
Q1 20269.20%
Q2 20269.41%
Delinquent loans (60+ days)
0.11%0.57%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20241.03%
Q4 20240.83%
Q1 20250.11%
Q2 20250.22%
Q3 20250.27%
Q4 20250.20%
Q1 20260.37%
Q2 20260.73%
Return on assets
0.23%0.78%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.06%
Q4 20240.98%
Q1 20250.23%
Q2 20250.87%
Q3 20251.02%
Q4 20250.95%
Q1 20260.69%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$88.8M9.41%0.73%0.81%54.1%
Q1 202668$89.4M9.20%0.37%0.69%53.5%
Q4 202572$89.2M9.18%0.20%0.95%52.5%
Q3 202572$88.9M9.27%0.27%1.02%54.7%
Q2 202570$86.9M8.67%0.22%0.87%56.7%
Q1 202568$83.3M9.51%0.11%0.23%58.5%
Q4 202466$79.0M9.06%0.83%0.98%60.8%
Q3 202463$71.7M8.45%1.03%1.06%58.9%
Q2 202469$69.0M8.61%0.64%1.34%62.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.41%
12th
Problem loans0.73%
49th
Net charge-offs0.35%
35th
Return on assets0.81%
58th
Loans to deposits54.1%
57th
Uninsured deposits17.6%
2nd
Loan-loss reserves0.00%
37th
Texas ratio3.7%
37th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Union Yes Federal Credit UnionCredit union Orange, CA74 out of 100, Strong$89.0M8.6%0.00%vs
County Schools Federal Credit UnionCredit union Ventura, CA34 out of 100, Low$91.0M8.5%3.52%vs
Vision One Credit UnionCredit union Sacramento, CA78 out of 100, Strong$92.0M16.1%0.21%vs
Upward Credit UnionCredit union Burlingame, CA68 out of 100, Moderate$92.7M11.4%1.15%vs
McKesson & Healthcare Providers Federal Credit UnionCredit union Martinez, CA65 out of 100, Moderate$92.8M13.4%1.47%vs
Calcom Federal Credit UnionCredit union Long Beach, CA82 out of 100, Strong$83.9M16.3%0.42%vs

Deposit insurance

Is my money safe at Desert Valleys Federal Credit Union?

Yes. Desert Valleys Federal Credit Union is a federally insured credit union (NCUA charter #5366). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 17.6% of shares and deposits ($14.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.41%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Desert Valleys Federal Credit Union
Type
Federal credit union
NCUA charter #
5366
RSSD ID
544773
Primary regulator
NCUA
Established
1946
Headquarters
PO Box 367, Ridgecrest, CA 93556
Employees
20

Quick answers

Desert Valleys Federal Credit Union: common questions

Is Desert Valleys Federal Credit Union NCUA insured?

Yes. Desert Valleys Federal Credit Union is a federally insured credit union (NCUA charter #5366). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Desert Valleys Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.