BlastPoint's Credit Union Scorecard
DESERT VALLEYS
Charter #5366 · CA
DESERT VALLEYS demonstrates 10 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.0% in tier
- + Total Deposits: Top 2.7% in tier
- + Deposit Growth Rate: Top 3.6% in tier
- + Total Assets: Top 4.2% in tier
- + Asset Growth Rate: Top 4.9% in tier
- + Total Loans: Top 8.8% in tier
- + Total Members: Top 9.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,976
+2.3% YoY-0.3% QoQ
|
+3.4K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 9.2% in tier |
| Assets |
$89.2M
+13.0% YoY+0.4% QoQ
|
+$59.1M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 4.3% in tier |
| Loans |
$42.2M
-0.4% YoY-3.4% QoQ
|
+$26.4M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 8.8% in tier |
| Deposits |
$80.2M
+15.4% YoY+0.5% QoQ
|
+$54.5M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 2.8% in tier |
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| ROA |
0.9%
-7.3% YoY-8.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.0%
-6.6% YoY-0.8% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
81.6%
-1.1% YoY+1.8% QoQ
|
-1.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.2%
-75.8% YoY-25.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
52.5%
-13.6% YoY-3.9% QoQ
|
-8.1% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$20,477
+6.9% YoY-0.7% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
10.4%
+16.1% YoY+1.9% QoQ
|
-14.0% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)