Desert Valleys
Desert Valleys is a credit union based in Ridgecrest, California, established in 1946, with $89 million in total assets serving 5,974 members. By Trust Grade it ranks 143rd of 241 credit unions we track in California. Its net worth ratio of 9.2% trails most similarly sized credit unions (12th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 0.69% return on assets. No consumer complaints against Desert Valleys appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Desert Valleys compares to California peers
How we graded Desert Valleys
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.2% capital ratio)
- Profitable (ROA 0.69%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Desert Valleys over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Desert Valleys insured?
Yes. Desert Valleys is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Desert Valleys: frequently asked questions
Is Desert Valleys a good credit union?
Desert Valleys earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (9.2% capital ratio); Profitable (ROA 0.69%).
Is Desert Valleys NCUA-insured?
Yes. Desert Valleys is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Desert Valleys?
Desert Valleys holds $89 million in total assets, ranking 143rd of 241 credit unions we track in California. It serves 5,974 members.
Does Desert Valleys have CFPB complaints?
No CFPB complaints against Desert Valleys appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
