Desert Valleys Federal Credit Union Ridgecrest, California
Desert Valleys Federal Credit Union is a federal credit union headquartered in Ridgecrest, CA, established in 1946 (NCUA charter 5366), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,060 members and total assets of $88.8M (up 2.3% from Q2 2025), the 157th largest of 238 credit unions headquartered in California. Its net worth ratio was 9.41% at Q2 2026, in the well capitalized band.
Also written as Desert Valleys FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5366
- Headquarters
- Ridgecrest, CA
- Established
- 1946
- Total assets, Q2 2026
- $88.8M
- Assets vs Q2 2025
- +2.3%
- Members, Q2 2026
- 6,060
- Net worth ratio, Q2 2026
- 9.41%
- Latest call report
- Q2 2026, NCUA 5300 · Desert Valleys Federal Credit Union call report
- Asset rank in state
- 157th of 238 in California
- Routing number
- 322283204
- Branches
- 2
It has 127 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.74 percentage points from 8.67% on June 30, 2025. Used vehicle loans are its largest loan category, $12.7M of $43.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.73% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.41% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in California
Credit unions merged into Desert Valleys Federal Credit Union
High Sierra Credit Union (2024)
Frequently asked about Desert Valleys Federal Credit Union
How big is Desert Valleys Federal Credit Union?
At Q2 2026 it reported total assets of $88.8M and 6,060 members.
Where is Desert Valleys Federal Credit Union headquartered?
It is headquartered in Ridgecrest, CA, United States.
When was Desert Valleys Federal Credit Union founded?
It was established in 1946, per NCUA records.
Is Desert Valleys Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5366): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Desert Valleys Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Desert Valleys Federal Credit Union well capitalized?
Its net worth ratio was 9.41% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Desert Valleys Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.73% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Desert Valleys Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 54.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Ridgecrest, CA 93555
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1946
- NCUA Charter #
- 5366
- RSSD ID
- 544773
- Members
- 6,060
- Potential members
- 55,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.41% | 14.31% | 12th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.93% | 0.72% | 59th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.85% | 4.74% | 80th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.57% | 3.93% | 36th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 83.72% | 79.83% | 42nd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.68% | 0.78% | 56th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.73% | 0.86% | 57th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.25% | 4.70% | 27th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 54.09% | 58.92% | 43rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$88.8M total assets against $86.9M; $79.4M total shares and deposits against $77.2M; $43.0M total loans against $43.7M.
$8.4M net worth against $7.5M.
9.41% net worth ratio against 8.67%.
54.09% loan-to-share ratio against 56.66%.
0.73% delinquency ratio against 0.22%.
0.93% return on assets against 1.51%; 9.85% return on equity against 17.46%.
3.57% net interest margin against 4.23%.
6,060 members against 5,933.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.41% | 0.93% | 0.73% | 54.09% |
| March 31, 2026 | 9.20% | 0.69% | 0.37% | 53.54% |
| December 31, 2025 | 9.18% | 0.74% | 0.20% | 52.55% |
| September 30, 2025 | 9.27% | 1.37% | 0.27% | 54.67% |
| June 30, 2025 | 8.67% | 1.51% | 0.22% | 56.66% |
| March 31, 2025 | 9.51% | 0.23% | 0.11% | 58.46% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.