DESERT FINANCIAL
Charter #68713 · Phoenix, AZ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 511,369 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 39th — a 19-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.79B | 94th pct | 95th pct |
| Members | 511,369 | 94th pct | 95th pct |
| Net worth ratio | 12.01% | 71th pct | 64th pct |
| Return on average assets | 0.88% | 62th pct | 59th pct |
| Net interest margin | 2.89% | 21th pct | 30th pct |
| Cost of funds | 1.84% | 53th pct | 61th pct |
| Loan-to-share | 58.74% | 6th pct | 18th pct |
| Delinquency 60+ days | 0.38% | 24th pct | 39th pct |
| Net charge-off ratio | 0.28% | 20th pct | 39th pct |
| Loan growth YoY | 6.41% | 88th pct | 93th pct |
| Share growth YoY | 5.80% | 73th pct | 69th pct |
| Efficiency ratio | 73.97% | 55th pct | 59th pct |
structural peer set hash: 4902bba5229096ae80bfd91bc4256665… (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.