DESERT FINANCIAL
State-Chartered • Phoenix, Arizona • Est. 1939
Quick Facts
- Charter Number
- #68713
- Type
- State-Chartered
- Established
- 1939
- Headquarters
- Phoenix, Arizona 85034
- Address
- 148 N 48th St
- Branches
- 50
- ATMs
- 50
- Members
- 504,296
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
504,296 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DESERT FINANCIAL |
|---|---|
| Total Assets | $9.5B |
| Members | 504,296 |
| Loans Outstanding | $5.0B |
| Shares & Deposits | $8.5B |
| Net Worth | $1.1B |
| Net Worth Ratio | 12.01% |
| Loan-to-Share Ratio | 58.6% |
| Delinquency Rate | 0.44% |
| Net Income | +$94,592,962 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
50 locations · 50 ATMs
Apache Junction Fry's
150 E Old West Hwy
Apache Junction, AZ 85119-0002
Baseline Frys
5140 W Baseline Rd
Laveen, AZ 85339
Chandler Wal-Mart
2750 E Germann Rd
Chandler, AZ 85286
Happy Valley Wal-Mart
2501 W Happy Valley Rd Ste 34
Phoenix, AZ 85085-3712
Indian School Wal-Mart
5250 W Indian School Rd
Phoenix, AZ 85031
Who Can Join DESERT FINANCIAL?
Membership Type: Community
Membership eligibility for DESERT FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact DESERT FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Arizona
Browse all federally insured credit unions in Arizona, ranked by assets, members, and financial health score.
View Arizona RankingsFrequently Asked Questions
Yes. DESERT FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, DESERT FINANCIAL has 504,296 members and a potential membership field of 7,614,700 people.
DESERT FINANCIAL's net worth ratio is 12.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.0%, DESERT FINANCIAL meets this threshold.
DESERT FINANCIAL operates 50 branch locations and has access to 50 ATMs. The main office is located at 148 N 48th St, Phoenix, AZ 85034.
DESERT FINANCIAL was established in 1939. It is a state-chartered credit union chartered under charter number 68713. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or DESERT FINANCIAL. All financial data is for informational purposes only.