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P.O. Box 918
Needles, CA 92363

Desert Communities Credit Union is headquartered in Needles and is the 271st largest credit union in the state of California. It is also the 3,446th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 4 employees and 1,912 members. Desert Communities Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be Atchison, Topeka, and Santa Fe Railway employees in Needles, California and Parker, Arizona and their family members. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Desert Communities Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Desert Communities Credit Union had $175,000 in non-current loans and owned real-estate with $1.94 million in equity and loan loss allowances on hand to cover it. This gives Desert Communities Credit Union a Texas Ratio of 9.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Desert Communities Credit Union experienced no significant changes from 8.35% as of March 31, 2013 to 9.04% as of March 31, 2014, resulting in a negative change of 8.31%. This indicates that the balance sheet and financial strength for Desert Communities Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Desert Communities Credit Union has decreased its total deposits by $-32,000, resulting in -0.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Desert Communities Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Desert Communities Credit Union has $21.33 million in assets with $1.94 million in equity, resulting in a capitalization level of 9.08%, which is average.

Institution Statistics

NCUA #9821
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$21.33 million
Loans$5.07 million
Deposits$19.33 million
Equity Capital$1.84 million
Loan Loss Allowance$94,000
Unbacked Noncurrent Loans$175,000
Real Estate Owned$0
Historic Data - March 2013
Assets$21.29 million
Equity Capital$1.86 million
Loan Loss Allowance$138,000
Unbacked Noncurrent Loans$175,000
Real Estate Owned$29,000
Profit Margin - Quarterly
Net Interest Margin2.18%
Return on Assets0.56%
Return on Equity6.51%
Interest Income$167,000
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Desert Communities Credit Union Savings Account Rates

0.15%$2k-IRA Shares Account
0.15%$2k-Roth IRA Share Account
0.15%$2k-Roth IRA Conversion Share Account
0.10%$50-Education IRA Share Account
0.05%$50-Share Account
0.05%--Christmas Club Account

Desert Communities Credit Union Money Market Rates

0.15%$2,500-Insured Money Market Account (IMMA)

Desert Communities Credit Union CD Rates

1.26%$5k-5 Year CD
1.01%$5k-4 Year CD
0.75%$5k-3 Year CD
0.50%$5k-2 Year CD
0.25%$5k-1 Year CD
0.20%$5k-6 Month CD

Desert Communities Credit Union IRA Rates

1.26%$5k-5 Year IRA CD
1.01%$5k-4 Year IRA CD
0.75%$5k-3 Year IRA CD
0.50%$5k-2 Year IRA CD
0.25%$5k-1 Year IRA CD
0.20%$5k-6 Month Roth IRA CD
0.20%$5k-6 Month Roth IRA Conversion CD
0.20%$5k-6 Month IRA CD

Desert Communities Credit Union Locations
Branch Office1001 W Broadway StNeedles, CA 92363-2703