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
Call Report peers
Va Desert Pacific in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Va Desert Pacific sits in 95-99 with 391 others.
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 vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 75.79% here, 62.60% peer average (+13.19 pp).
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.
- One place up in California, FRONTWAVE (#26) scores 96/100, 1 point higher; one place down, Star One (#28) ties at 95/100.
Va Desert Pacific Call Report trajectory
Va Desert Pacific: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $97.2M (2025Q4) to $99.0M (2026Q1).
- Net-worth ratio shifted -0.18 pp (21.82% → 21.64%).
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
Va Desert Pacific gives up 5 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Va Desert Pacific financially healthy?
Va Desert Pacific has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #310 of 4,374 nationally on health and #27 of 243 in California. Its net worth ratio is 21.64% and its delinquency rate 0.36%.
How does Va Desert Pacific compare to other credit unions?
Va Desert Pacific scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (75.79% vs 62.60%).
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?
Va Desert Pacific 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. Va Desert Pacific's net worth ratio of 21.64% 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.