Charter 68713 · Phoenix, AZ
Desert Financial Credit Union
Desert Financial Credit Union is a state-chartered credit union in Phoenix, Arizona, with $9.89 billion in assets and 517,794 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.10%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as None.
- Total assets
- $9.89 billion
- +9.0% in a year
- Members
- 517,794
- +5.8% in a year
- Net worth ratio
- 12.10%
- Peer median 10.79%
- Loans 60+ days late
- 0.47%
- Peer median 0.67%
- Loans outstanding
- $5.31 billion
- +14.2% in a year
- Shares and deposits
- $8.86 billion
- +6.8% in a year
- Branches
- 50
- 1,364 employees
- Opened
- 1939
- Arizona charter
How Desert Financial Credit Union compares
NCUA groups credit unions by size; Desert Financial Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.10% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.47%, is lower than the group median of 0.67%. Loans grew 14.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 1 of 33 credit unions headquartered in Arizona. See all Arizona credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $9.89 billion | 517,794 | $5.31 billion | 12.10% | 0.47% |
| Q1 2026 | $9.79 billion | 511,369 | $5.17 billion | 12.01% | 0.38% |
| Q4 2025 | $9.54 billion | 504,296 | $5.00 billion | 12.01% | 0.44% |
| Q3 2025 | $9.17 billion | 497,868 | $4.86 billion | 12.10% | 0.36% |
| Q2 2025 | $9.07 billion | 489,538 | $4.65 billion | 11.99% | 0.31% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 7.6 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 51 sites for Desert Financial Credit Union; the first 40 are below. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Apache Junction Fry's
150 E Old West Hwy, Apache Junction, AZ 85119 - 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 - Indian School Wal-Mart
5250 W Indian School Rd, Phoenix, AZ 85031 - Maricopa Frys
20797 N John Wayne Pkwy, Maricopa, AZ 85139 - McKellips
4405 E Mckellips Rd, Mesa, AZ 85215 - Payson Wal-Mart
300 N Beeline Hwy, Payson, AZ 85541 - Queen Creek Wal-Mart
1725 W Hunt Hwy, San Tan Valley, AZ 85143 - Riggs Frys
985 E Riggs Rd, Chandler, AZ 85249 - Signal Butte Wal-Mart
1606 S Signal Butte Rd, Mesa, AZ 85209 - Superstition Wal-Mart
6131 E Southern Ave, Mesa, AZ 85206 - Surprise Wal-Mart
13770 W Bell Rd, Surprise, AZ 85374 - Watson Wal-Mart
1060 S Watson Rd, Buckeye, AZ 85326 - 44th Street
2500 N 44Th St, Phoenix, AZ 85008 - Ahwatukee
4940 E Ray Rd Ste 11, Phoenix, AZ 85044 - Alma School
2355 S Alma School Rd, Mesa, AZ 85210 - Arrowhead Mall
17445 N 79Th Ave, Glendale, AZ 85308 - Black Canyon
6633 N Black Canyon Hwy, Phoenix, AZ 85015 - Chandler
1949 W Ray Rd Ste 34, Chandler, AZ 85224 - Desert Sky
7515 W Encanto Blvd Ste 1, Phoenix, AZ 85035 - East Bell
3423 E Bell Rd, Phoenix, AZ 85032 - Gilbert Baseline
1901 S Gilbert Rd, Mesa, AZ 85204 - Missouri
5555 N 7Th St Ste 140, Phoenix, AZ 85014 - Palm Valley
13200 W Mcdowell Rd, Goodyear, AZ 85395 - Papago (main office)
148 N 48Th St, Phoenix, AZ 85034 - Scottsdale
8220 E Via Paseo Del Norte, Scottsdale, AZ 85258 - South Mountain
3230 E Baseline Rd, Phoenix, AZ 85042 - Southern and Greenfield
4330 E Southern Ave, Mesa, AZ 85206 - Stapley
1262 N Stapley Dr, Mesa, AZ 85203 - Sun City
10725 Grand Ave, Sun City, AZ 85351 - Tempe
1245 E Broadway Rd, Tempe, AZ 85282 - Thunderbird
5690 W Thunderbird Rd, Glendale, AZ 85306 - Union Hills
826 E Union Hills Dr Bldg E, Phoenix, AZ 85024 - Lake Pleasant Wal-Mart
21655 N Lake Pleasant Pkwy, Peoria, AZ 85382 - San Tan Village
2925 S Market Street, Gilbert, AZ 85295 - Moon Valley
406 E Thunderbird Rd, Phoenix, AZ 85022 - Ocotillo Safeway
4970 S Alma School Rd, Chandler, AZ 85248 - Eastmark Safeway
4316 S Signal Butte Rd, Mesa, AZ 85212 - Ironwood Safeway
40950 N Ironwood Dr, Queen Creek, AZ 85140
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology