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
- 51
- ATMs
- 51
- Members
- 511,369
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
511,369 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DESERT FINANCIAL |
|---|---|
| Total Assets | $9.8B |
| Members | 511,369 |
| Loans Outstanding | $5.2B |
| Shares & Deposits | $8.8B |
| Net Worth | $1.1B |
| Net Worth Ratio | 12.01% |
| Loan-to-Share Ratio | 58.7% |
| Delinquency Rate | 0.38% |
| Net Income | +$21,206,147 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
51 locations · 51 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
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Arizona RankingsFrequently Asked Questions
DESERT FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, DESERT FINANCIAL has 511,369 members and a potential membership field of 7,614,700 people.
DESERT FINANCIAL's reported net worth ratio is 12.01% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
DESERT FINANCIAL operates 51 branch locations and has access to 51 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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or DESERT FINANCIAL. All financial data is for informational purposes only.