Desert Valleys

Ridgecrest, CA · 1 · Charter #5366 · www.desertvalleys.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$89.2M
38th percentile
Members
5,976
34th percentile
Total loans
$42.2M
31th percentile
Total shares
$80.2M
42th percentile

Profitability

Return on assets
1.11%
56th percentile
Net interest margin
4.00%
69th percentile
Efficiency ratio
72.38%
20th percentile
Non-interest income ratio
29.79%
93th percentile

Capital & Risk

Net worth ratio
8.96%
11th percentile
Delinquency rate
0.20%
87th percentile
Net charge-off rate
0.44%
39th percentile
Loan-to-share
52.55%
23th percentile

Growth

Member growth YoY
2.33%
81th percentile
Asset growth YoY
12.98%
94th percentile
Loan growth YoY
-0.36%
40th percentile
Share growth YoY
15.38%
96th percentile

Operations

Members / branch
2,988
47th percentile
Assets / member
$14,930
55th percentile
Field of membership penetration
10.87%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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