Federal credit union · Long Beach, California · NCUA charter #5530
Va Desert Pacific
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $97.2M
- Total assets
- 6,230
- Members
- 21.8%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 21.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.82% | 30% |
| Delinquency Rate | 0.36% | 25% |
| Return on Assets | 1.22% | 15% |
| Member Growth | 0.45% | 15% |
| Loan-to-Share Ratio | 75.79% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Va Desert Pacific
6,230 members and $97.2M in total assets sit behind Va Desert Pacific, a federal credit union in Long Beach, California, which posts a health score of 95/100 (Excellent) on the five-factor composite, with $57.7M in outstanding loans as of Q4 2025 and a net worth ratio of 21.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #5530 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 75.79% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.36% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 1.22% on net income of $1.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.45%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.82% 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 21.82% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.