DESERT VALLEYS
Charter #5366 · Ridgecrest, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.20% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.12% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.58% sits at the 82nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 56th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DESERT VALLEYS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.44M | 83th pct | 79th pct |
| Members | 5,974 | 65th pct | 74th pct |
| Net worth ratio | 9.20% | 12th pct | 10th pct |
| Return on average assets | 0.70% | 49th pct | 62th pct |
| Net interest margin | 4.12% | 73th pct | 82th pct |
| Cost of funds | 0.78% | 39th pct | 56th pct |
| Loan-to-share | 53.54% | 37th pct | 51th pct |
| Delinquency 60+ days | 0.37% | 35th pct | 43th pct |
| Net charge-off ratio | 0.58% | 76th pct | 82th pct |
| Loan growth YoY | -1.66% | 49th pct | 51th pct |
| Share growth YoY | 0.41% | 22th pct | 28th pct |
| Efficiency ratio | 88.17% | 76th pct | 64th pct |
structural peer set hash: 819032fa5fedd49ec49e48af9544a2d5… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.