DESERT VALLEYS
Federal • Ridgecrest, California • Est. 1946
Quick Facts
- Charter Number
- #5366
- Type
- Federal
- Established
- 1946
- Headquarters
- Ridgecrest, California 93556
- Address
- PO Box 367
- Branches
- 2
- ATMs
- 3
- Members
- 5,976
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
5,976 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DESERT VALLEYS |
|---|---|
| Total Assets | $89.2M |
| Members | 5,976 |
| Loans Outstanding | $42.2M |
| Shares & Deposits | $80.2M |
| Net Worth | $8.0M |
| Net Worth Ratio | 9.18% |
| Loan-to-Share Ratio | 52.5% |
| Delinquency Rate | 0.20% |
| Net Income | +$990,271 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 3 ATMs
Credit Union
Main Office100 E Ward Ave
Ridgecrest, CA 93555-2668
Bishop
136 W Line St
Bishop, CA 93514-3402
Who Can Join DESERT VALLEYS?
Membership Type: Other/Unknown
Membership eligibility for DESERT VALLEYS may vary. Contact the credit union directly to confirm qualification requirements.
Contact DESERT VALLEYS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. DESERT VALLEYS 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 VALLEYS has 5,976 members and a potential membership field of 55,000 people.
DESERT VALLEYS's net worth ratio is 9.18% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.2%, DESERT VALLEYS meets this threshold.
DESERT VALLEYS operates 2 branch locations and has access to 3 ATMs. The main office is located at 100 E Ward Ave, Ridgecrest, CA 93555-2668.
DESERT VALLEYS was established in 1946. It is a federal credit union chartered under charter number 5366. The institution has been serving members for 80 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 VALLEYS. All financial data is for informational purposes only.