TellerScore

Headquartered in Long Beach, California, VA Desert Pacific Federal Credit Union is a federal credit union with $98.8M in total assets and $78.1M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1947.

VA Desert Pacific Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 31st. Capital cushion contributes the most (100/100, 21.05%); earnings contributes the least (47/100, 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.05%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.07%
Earnings47/100
Return on assets (annualized): 0.69%
Funding & liquidity80/100
Loans ÷ shares: 79.8% · 12.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.20%

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 7 points (93 → 86), mostly because the earnings component weakened by 31 points.

TellerScore
859095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202491
Q4 202490
Q1 202595
Q2 202593
Q3 202589
Q4 202589
Q1 202685
Q2 202686
Net worth ratio
7.00%14.63%22.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.57%
Q3 202421.70%
Q4 202422.27%
Q1 202521.80%
Q2 202521.54%
Q3 202522.15%
Q4 202521.82%
Q1 202621.64%
Q2 202621.05%
Delinquent loans (60+ days)
0.02%0.19%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.07%
Q4 20240.23%
Q1 20250.07%
Q2 20250.02%
Q3 20250.30%
Q4 20250.36%
Q1 20260.35%
Q2 20260.07%
Return on assets
0.69%1.19%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.28%
Q4 20241.32%
Q1 20251.70%
Q2 20251.44%
Q3 20251.39%
Q4 20251.34%
Q1 20260.82%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$98.8M21.05%0.07%0.69%79.8%
Q1 202685$99.0M21.64%0.35%0.82%75.8%
Q4 202589$97.2M21.82%0.36%1.34%75.8%
Q3 202589$94.7M22.15%0.30%1.39%81.9%
Q2 202593$96.0M21.54%0.02%1.44%76.4%
Q1 202595$93.3M21.80%0.07%1.70%76.0%
Q4 202490$89.8M22.27%0.23%1.32%77.3%
Q3 202491$90.8M21.70%0.07%1.28%75.7%
Q2 202492$89.8M21.57%0.09%1.40%75.4%

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 ratio21.05%
81st
Problem loans0.07%
82nd
Net charge-offs0.58%
24th
Return on assets0.69%
52nd
Loans to deposits79.8%
20th
Uninsured deposits12.5%
5th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
McKesson & Healthcare Providers Federal Credit UnionCredit union Martinez, CA65 out of 100, Moderate$92.8M13.4%1.47%vs
Upward Credit UnionCredit union Burlingame, CA68 out of 100, Moderate$92.7M11.4%1.15%vs
Vision One Credit UnionCredit union Sacramento, CA78 out of 100, Strong$92.0M16.1%0.21%vs
County Schools Federal Credit UnionCredit union Ventura, CA34 out of 100, Low$91.0M8.5%3.52%vs
Union Yes Federal Credit UnionCredit union Orange, CA74 out of 100, Strong$89.0M8.6%0.00%vs
Desert Valleys Federal Credit UnionCredit union Ridgecrest, CA67 out of 100, Moderate$88.8M9.4%0.73%vs

Deposit insurance

Is my money safe at VA Desert Pacific Federal Credit Union?

Yes. VA Desert Pacific Federal Credit Union is a federally insured credit union (NCUA charter #5530). 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 12.5% of shares and deposits ($9.7M) 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 21.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

VA Desert Pacific Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
VA Desert Pacific Federal Credit Union
Type
Federal credit union
NCUA charter #
5530
RSSD ID
557577
Primary regulator
NCUA
Established
1947
Headquarters
5901 E 7th St Bldg2, Long Beach, CA 90822
Employees
18

Quick answers

VA Desert Pacific Federal Credit Union: common questions

Is VA Desert Pacific Federal Credit Union NCUA insured?

Yes. VA Desert Pacific Federal Credit Union is a federally insured credit union (NCUA charter #5530). 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 VA Desert Pacific Federal Credit Union's TellerScore?

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

How many branches does VA Desert Pacific Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

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Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs