Desert Financial
Desert Financial is a credit union based in Phoenix, Arizona, established in 1939, with $9.8 billion in total assets serving 511,369 members. By Trust Grade it ranks 6th of 33 credit unions we track in Arizona. Its net worth ratio of 12.0% is stronger than 70% of similarly sized credit unions, versus a Arizona median of 10.8%. It was profitable over the most recent period, with a 0.87% return on assets. No consumer complaints against Desert Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Desert Financial compares to Arizona peers
How we graded Desert Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.0% capital ratio)
- Profitable (ROA 0.87%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Desert Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Desert Financial insured?
Yes. Desert Financial 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 Financial: frequently asked questions
Is Desert Financial a good credit union?
Desert Financial earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (12.0% capital ratio); Profitable (ROA 0.87%).
Is Desert Financial NCUA-insured?
Yes. Desert Financial 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 Financial?
Desert Financial holds $9.8 billion in total assets, ranking 6th of 33 credit unions we track in Arizona. It serves 511,369 members.
Does Desert Financial have CFPB complaints?
No CFPB complaints against Desert Financial 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.
