Credit Union Safety Analysis
Is Desertview Federal Credit Union Safe? Huntington, Utah
Based on its Q2 2026 NCUA 5300 call report, Desertview Federal Credit Union has a net worth ratio of 13.69%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.90%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Desertview Federal Credit Union's net worth ratio is 13.69%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.69%
- Delinquency ratio (60+ days) (Q2 2026): 1.90%
- Return on assets (Q2 2026): 1.38%
- Loan-to-share ratio (Q2 2026): 52.12%
Desertview Federal Credit Union (NCUA charter 13790, established 1960) reported $48.3M in assets and 3,444 members for Q2 2026 from Huntington, Utah. It ranks 28 of 50 credit unions in Utah by total assets. Total assets grew 10.8% from $43.6M on June 30, 2025. It has 135 fewer members than on June 30, 2025 (-3.8%). Its net worth ratio was down 0.05 percentage points from 13.74% on June 30, 2025. Used vehicle loans are its largest loan category, $9.1M of $21.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.90% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.28% for Q1 2026; 13.74% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.62% for Q1 2026; 1.61% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.26% for Q1 2026; 1.16% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 50.91% for Q1 2026; 56.20% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $9.1M
- 1- to 4-family residential and other consumer real estate loans: $6.1M
- Other secured non-real estate loans and lines of credit: $4.3M
- New vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $845K
- Commercial loans: $256K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $48.3M | 13.69% | 1.90% | 1.38% | 52.12% |
| March 31, 2026 | $48.6M | 13.28% | 1.62% | 1.26% | 50.91% |
| December 31, 2025 | $47.6M | 13.23% | 1.33% | 1.15% | 52.33% |
| September 30, 2025 | $44.2M | 13.95% | 1.58% | 1.51% | 56.54% |
| June 30, 2025 | $43.6M | 13.74% | 1.61% | 1.16% | 56.20% |
| March 31, 2025 | $44.3M | 13.25% | 1.51% | 1.16% | 54.95% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Desertview Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13790) · FFIEC NIC profile (RSSD 433680)
Frequently asked questions
Is Desertview Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Desertview Federal Credit Union's net worth ratio is 13.69%, above the 7% NCUA threshold for well capitalized.
Is Desertview Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Desertview Federal Credit Union is a federally insured credit union (NCUA charter 13790): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Desertview Federal Credit Union's key safety ratios?
For Q2 2026, Desertview Federal Credit Union reports net worth 13.69%, delinquency 1.90%, ROA 1.38%, loan-to-share 52.12%.
What happens to my money if Desertview Federal Credit Union fails?
For Q2 2026, Desertview Federal Credit Union held $41.7M in shares and deposits for 3,444 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.