BlastPoint's Credit Union Scorecard
VA DESERT PACIFIC
Charter #5530 · CA
VA DESERT PACIFIC demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.0% in tier
- + Total Loans: Top 2.7% in tier
- + Total Deposits: Top 4.6% in tier
- + Total Members: Top 8.1% in tier
- + Fee Income Per Member: Top 9.7% 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 |
6,230
+0.5% YoY+0.1% QoQ
|
+3.6K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 8.1% in tier |
| Assets |
$97.2M
+8.3% YoY+2.6% QoQ
|
+$67.1M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 1.1% in tier |
| Loans |
$57.7M
+4.3% YoY-4.7% QoQ
|
+$41.9M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 2.7% in tier |
| Deposits |
$76.1M
+6.4% YoY+2.9% QoQ
|
+$50.4M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 4.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+3.2% YoY-2.1% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
4.9%
-0.8% YoY-0.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
74.3%
+2.3% YoY-0.2% QoQ
|
-8.3% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.4%
+60.3% YoY+19.9% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
75.8%
-1.9% YoY-7.4% QoQ
|
+15.2% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$21,475
+5.0% YoY-0.6% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
10.3%
-15.9% YoY-20.9% QoQ
|
-14.2% | 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)