State credit union · Phoenix, Arizona · NCUA charter #68713
Desert Financial
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $9.54B
- Total assets
- 504,296
- Members
- 12.0%
- Net-worth ratio
Desert Financial scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.54B; members 504,296; net-worth ratio 12.01%; health rank #185 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#185 of 4,374 health · 2025Q4Desert Financial · health 97/100 · $9.54B · 2025Q4
- MEM 97/100
- RANK 12.0%
- PHOTO 0.44%
- BOOK 0.76%
- CHARTER $9.54B
- NCUSIF 504,296
- CAMELS #185/4,374
- HEALTH Onpoint Community
- NW 68713
Call Report peers
Desert Financial in the assets neighbourhood
Desert Financial's $9.54B assets sit next to Onpoint Community ($9.54B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Desert Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Desert Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68713, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Desert Financial: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 12.01% here, 11.18% peer average (+0.83 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.34 pp (58.56% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arizona standing for Desert Financial
- Arizona health ordinal: #4 of 33.
- Arizona assets place: #1 of 33.
- Arizona membership ordinal: #1 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Desert Financial: 2025Q4 → 2026Q1
Desert Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $9.54B (2025Q4) to $9.79B (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.01% → 12.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for Desert Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.01% | +0.83 pp |
| Delinquency Rate | 0.44% | -0.43 pp |
| Return on Assets | 0.76% | +0.25 pp |
| Member Growth | 5.75% | - |
| Loan-to-Share Ratio | 58.56% | -25.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Desert Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.79B | - |
| 2025Q4 | $9.54B | 504,296 |
| 2024Q4 | $8.78B | 476,864 |
| 2023Q4 | $8.71B | 453,713 |
Credit Union Details
- Charter Number
- 68713
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
Branch Locations (51)
Per its most recent NCUA branch filing, Desert Financial runs 51 offices in 21 different cities.
| Office | City |
|---|---|
| Papago (Main Office) | Phoenix, AZ |
| Apache Junction Fry's | Apache Junction, AZ |
| Watson Wal-Mart | Buckeye, AZ |
| Verrado | Buckeye, AZ |
| Chandler Wal-Mart | Chandler, AZ |
| Riggs Frys | Chandler, AZ |
| Chandler | Chandler, AZ |
| Ocotillo Safeway | Chandler, AZ |
| Flagstaff | Flagstaff, AZ |
| San Tan Village | Gilbert, AZ |
| Gilbert Gateway | Gilbert, AZ |
| Arrowhead Mall | Glendale, AZ |
| Thunderbird | Glendale, AZ |
| Palm Valley | Goodyear, AZ |
| Baseline Frys | Laveen, AZ |
| Maricopa Frys | Maricopa, AZ |
| McKellips | Mesa, AZ |
| Signal Butte Wal-Mart | Mesa, AZ |
| Superstition Wal-Mart | Mesa, AZ |
| Alma School | Mesa, AZ |
| Gilbert Baseline | Mesa, AZ |
| Southern and Greenfield | Mesa, AZ |
| Stapley | Mesa, AZ |
| Eastmark Safeway | Mesa, AZ |
| Payson Wal-Mart | Payson, AZ |
| Lake Pleasant Wal-Mart | Peoria, AZ |
| Happy Valley Wal-Mart | Phoenix, AZ |
| Indian School Wal-Mart | Phoenix, AZ |
| 44th Street | Phoenix, AZ |
| Ahwatukee | Phoenix, AZ |
| Black Canyon | Phoenix, AZ |
| Desert Sky | Phoenix, AZ |
| East Bell | Phoenix, AZ |
| Missouri | Phoenix, AZ |
| South Mountain | Phoenix, AZ |
| Union Hills | Phoenix, AZ |
| Moon Valley | Phoenix, AZ |
| Paradise Valley New | Phoenix, AZ |
| ASU Downtown | Phoenix, AZ |
| Willow Creek | Prescott, AZ |
| Prescott Valley Fry's | Prescott Valley, AZ |
| Ironwood Safeway | Queen Creek, AZ |
| Ellsworth | Queen Creek, AZ |
| Queen Creek Wal-Mart | San Tan Valley, AZ |
| Scottsdale | Scottsdale, AZ |
| Hayden | Scottsdale, AZ |
| Sun City | Sun City, AZ |
| Surprise Wal-Mart | Surprise, AZ |
| Greenway Fry's | Surprise, AZ |
| Tempe | Tempe, AZ |
| ASU Tempe | Tempe, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
More federally-insured credit unions based in Arizona, ordered by peer group match and asset size.
Desert Financial nationwide neighbourhoods
Cross-state asset and health neighbours for Desert Financial - kept outside Arizona; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.54B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Desert Financial ranks #185 of 4,374 nationally on financial health and #4 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ONEAZ is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ONEAZ
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Desert Financial financially healthy?
Desert Financial scores 97/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #185 of 4,374; by total assets it ranks #32 of 4,374 nationally (same basis as /rankings/largest); and #1 of 33 within Arizona. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.01% net worth ratio and a 0.44% delinquency rate.
How does Desert Financial compare to other credit unions?
On PlainCU's health composite, Desert Financial lands at 97/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Desert Financial?
Membership eligibility for Desert Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Desert Financial directly for current membership requirements and application steps.
Is my money safe at Desert Financial?
Federal credit unions like Desert Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Desert Financial's net worth ratio of 12.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Desert Financial offer compared to banks?
Credit unions like Desert Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Desert Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.