Desert Financial
Phoenix, AZ · Charter 68713 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 50 branches
Q2 2026
$9.9BAssets
$5.3BLoans
$8.9BShares
$1.2BNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 73% of credit unions $1B-$10B in assets (rank 117 of 435).
- Widest gap: net interest margin trails 84% of credit unions $1B-$10B in assets (rank 366 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.11%
Rank 117 of 435
Net Interest Margin
2.82%
Rank 366 of 435
Efficiency Ratio
69.86%
Rank 191 of 435
Equity / Assets
11.75%
Rank 153 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.55% | 0.81% | 1.14% | Beats 73% | 117 / 435 | |
| Return on Equity | 9.43% | 5.12% | 7.41% | 9.70% | Beats 73% | 117 / 435 | |
| Net Interest Margin | 2.82% | 3.01% | 3.39% | 3.75% | Beats 16% | 366 / 435 | |
| Efficiency Ratio | 69.86% | 65.25% | 71.39% | 77.86% | Beats 57% | 191 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.45% | 0.69% | 1.05% | Beats 73% | 117 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.75% | 9.81% | 10.84% | 12.63% | Beats 65% | 153 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.75% | 9.81% | 10.84% | 12.63% | Beats 65% | 153 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 59.91% | 78.33% | 88.38% | 95.61% | 7th pctl | 404 / 435 | |
| Loans / Assets | 53.66% | 67.69% | 74.58% | 80.80% | 9th pctl | 397 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |