Federal credit union · Huntington, Utah · NCUA charter #13790
DESERTVIEW
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $47.6M
- Total assets
- 3,504
- Members
- 13.3%
- Net-worth ratio
DESERTVIEW scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.6M; members 3,504; net-worth ratio 13.28%; health rank #2,970 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,970 of 4,374 health · 2025Q4DESERTVIEW · health 78/100 · $47.6M · 2025Q4
Call Report peers
DESERTVIEW in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DESERTVIEW vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DESERTVIEW sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
DESERTVIEW: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 0.78% vs peer 0.70% (+0.07 pp).
- Loan-to-Share Ratio trails the peer set - 52.33% here, 59.80% peer average (-7.47 pp).
DESERTVIEW in Utah
- In Utah, health place is #36 of 53 on the same NCUA-ratio sort used nationally.
- By total assets, DESERTVIEW is #30 of 53 in Utah.
- Member book place in Utah: #29 of 53.
- One place up in Utah, Gibbons and Reed Employees (#35) scores 79/100, 1 point higher; one place down, Hercules First (#37) ties at 78/100.
DESERTVIEW: 2025Q4 → 2026Q1
DESERTVIEW: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $47.6M (2025Q4) to $48.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (13.23% → 13.28%).
This credit union's 13.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
DESERTVIEW gives up 22 points in total. Member Growth costs the most, 10.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 15.0 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 11.0 pts
DESERTVIEW vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.28% | -1.58 pp |
| Delinquency Rate | 1.33% | +0.19 pp |
| Return on Assets | 0.78% | +0.07 pp |
| Member Growth | -2.50% | - |
| Loan-to-Share Ratio | 52.33% | -7.47 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
DESERTVIEW quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.6M | - |
| 2025Q4 | $47.6M | 3,504 |
| 2024Q4 | $42.5M | 3,594 |
| 2023Q4 | $41.3M | 3,549 |
Credit Union Details
- Charter Number
- 13790
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Utah
- City
- Huntington
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, DESERTVIEW runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Huntington, UT |
| Branch Office | Ferron, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
DESERTVIEW nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- DESERTVIEW ranks #2,970 of 4,374 nationally on financial health and #36 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Nephi Western Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Nephi Western Employees
Frequently Asked Questions
Is DESERTVIEW financially healthy?
DESERTVIEW has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,970 of 4,374 nationally on health and #36 of 53 in Utah. Its net worth ratio is 13.28% and its delinquency rate 1.33%.
How does DESERTVIEW compare to other credit unions?
DESERTVIEW scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (0.78% vs 0.70%). Its widest shortfall is loan-to-share ratio (52.33% vs 59.80%).
How can I join DESERTVIEW?
DESERTVIEW operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact DESERTVIEW directly for the exact boundaries and application steps.
Is my money safe at DESERTVIEW?
DESERTVIEW is a federal credit union; its shares are federally 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. DESERTVIEW's net worth ratio of 13.28% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.