Federal credit union · Long Beach, California · NCUA charter #5530
Va Desert Pacific
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $97.2M
- Total assets
- 6,230
- Members
- 21.6%
- Net-worth ratio
Va Desert Pacific scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.2M; members 6,230; net-worth ratio 21.64%; health rank #310 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#310 of 4,374 health · 2025Q4Va Desert Pacific · health 95/100 · $97.2M · 2025Q4
- PHOTO 95/100
- BOOK 21.6%
- CHARTER 0.36%
- NCUSIF 1.22%
- CAMELS $97.2M
- HEALTH 6,230
- NW #310/4,374
- DELQ WINDTHORST
- ROA 5530
Call Report peers
Va Desert Pacific in the assets neighbourhood
Va Desert Pacific's $97.2M assets sit next to WINDTHORST ($97.2M) 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.
Va Desert Pacific 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
95 Top 10% higher than 90% 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
Va Desert Pacific - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5530 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Va Desert Pacific vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 75.79% here, 62.60% peer average (+13.19 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Va Desert Pacific sits in California
- Health composite ranks #27 of 243 among scored California credit unions.
- By total assets, Va Desert Pacific is #152 of 243 in California.
- California membership ordinal: #147 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Va Desert Pacific Call Report trajectory
Va Desert Pacific: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $97.2M (2025Q4) to $99.0M (2026Q1).
- Net-worth ratio shifted -0.18 pp (21.82% → 21.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 15.5 pts
Va Desert Pacific vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.64% | +8.02 pp |
| Delinquency Rate | 0.36% | -0.60 pp |
| Return on Assets | 1.22% | +0.56 pp |
| Member Growth | 0.45% | - |
| Loan-to-Share Ratio | 75.79% | +13.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Va Desert Pacific
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $99.0M | - |
| 2025Q4 | $97.2M | 6,230 |
| 2024Q4 | $89.8M | 6,202 |
| 2023Q4 | $88.5M | 6,049 |
Credit Union Details
- Charter Number
- 5530
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- California
- City
- Long Beach
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Va Desert Pacific runs 4 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Signal Hill (Main Office) | Signal Hill, CA |
| Centurion Disaster Recovery Center | Allen, TX |
| Long Beach-Bldg2 | Long Beach, CA |
| GLA | Los Angeles, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Va Desert Pacific - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($97.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Va Desert Pacific ranks #310 of 4,374 nationally on financial health and #27 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- County Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with County Schools
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 Va Desert Pacific financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Va Desert Pacific's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #310 of 4,374; by total assets it ranks #1,845 of 4,374 nationally (same basis as /rankings/largest); and #152 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.64% net worth ratio and 0.36% delinquency rate are the key drivers.
How does Va Desert Pacific compare to other credit unions?
Va Desert Pacific scores 95/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Va Desert Pacific?
Va Desert Pacific serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Va Desert Pacific directly for the current list of qualifying groups.
Is my money safe at Va Desert Pacific?
Federal credit unions like Va Desert Pacific 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. Va Desert Pacific's net worth ratio of 21.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Va Desert Pacific offer compared to banks?
Credit unions like Va Desert Pacific 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 Va Desert Pacific 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.