BlastPoint's Credit Union Scorecard

DESERTVIEW

Charter #13790 · UT

2556 CUs in <100M nationally 29 in UT

DESERTVIEW has 4 strengths but faces 2 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.60% above tier average
+ Asset Growth Rate: Top 5.6% in tier
+ Deposit Growth Rate: Top 6.2% in tier
+ AMR Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.5% YoY
- Indirect Auto Concentration (%): Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	3,504 -2.5% YoY-1.4% QoQ	+888	2,615 -1.9% YoY	78,581 +8.3% YoY	33,374 +5.7% YoY	74%
Assets	$47.6M +12.1% YoY+7.8% QoQ	+$17.5M	$30.1M +2.1% YoY	$1.2B +12.9% YoY	$561.6M +9.7% YoY	76%
Loans	$21.6M -0.3% YoY+0.6% QoQ	+$5.8M	$15.8M -1.3% YoY	$958.3M +12.4% YoY	$397.0M +8.8% YoY	72%
Deposits	$41.2M +12.5% YoY+8.7% QoQ	+$15.6M	$25.7M +1.4% YoY	$1.1B +12.7% YoY	$477.3M +9.7% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +38.8% YoY-4.9% QoQ	+0.6%	0.6% +10.8% YoY	0.8% +12.1% YoY	0.7% +15.9% YoY	75%
NIM	3.7% +8.5% YoY-2.9% QoQ	-0.3%	4.0% +4.0% YoY	3.4% +4.7% YoY	3.8% +5.1% YoY	41%
Efficiency Ratio	74.0% -8.1% YoY+0.6% QoQ	-8.5%	82.6% -2.3% YoY	72.6% -3.7% YoY	79.7% -3.3% YoY	36%
Delinquency Rate	1.3% -11.1% YoY-15.4% QoQ	-0.2	1.6% -3.1% YoY	1.0% +50.5% YoY	1.3% -2.1% YoY	68%
Loan To Share	52.3% -11.3% YoY-7.4% QoQ	-8.3%	60.6% -3.1% YoY	76.7% -4.3% YoY	67.4% -1.7% YoY	37%
AMR	$17,930 +10.5% YoY+7.2% QoQ	+$3K	$14,783 -1.4% YoY	$21,704 +5.2% YoY	$19,687 +2.0% YoY	70%
CD Concentration	15.2% +26.9% YoY-5.9% QoQ	-9.2%	24.4%	28.4%	19.8%	50%
Indirect Auto %	10.1% -20.1% YoY-10.7% QoQ	-3.7%	13.8%	7.4%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (7 metrics)

145

Asset Growth Rate

growth

Value: 12.10%

Peer Median: -

#145 of 2556 Top 5.6% in <100M tier

159

Deposit Growth Rate

growth

Value: 12.46%

Peer Median: -

#159 of 2556 Top 6.2% in <100M tier

242

AMR Growth Rate

growth

Value: 10.49%

Peer Median: -

#242 of 2556 Top 9.4% in <100M tier

482

Fee Income Per Member

profitability

Value: $135.53

Peer Median: -

#482 of 2556 Top 18.8% in <100M tier

611

Total Deposits

balance_sheet

Value: $41.24M

Peer Median: -

#611 of 2556 Top 23.9% in <100M tier

621

Total Assets

balance_sheet

Value: $47.60M

Peer Median: -

#621 of 2556 Top 24.3% in <100M tier

635

Return on Assets (ROA)

profitability

Value: 1.22%

Peer Median: -

#635 of 2556 Top 24.8% in <100M tier

Top Weaknesses (1 metrics)

2324

Indirect Auto Concentration (%)

balance_sheet

Value: 10.06%

Peer Median: -

#2324 of 2556 Bottom 9.1% in <100M tier