BlastPoint's Credit Union Scorecard

DESERTVIEW

Charter #13790 · UT

2596 CUs in <100M nationally 30 in UT

DESERTVIEW has 1 strength 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

Key Concerns

Areas that may need attention

- Delinquency rate 0.07% above tier average
- Indirect Auto Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	3,553 -1.1% YoY-0.7% QoQ	+927	2,625 -2.2% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	74%
Assets	$44.2M +5.7% YoY+1.2% QoQ	+$14.3M	$29.9M +1.1% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	74%
Loans	$21.5M +1.1% YoY+1.5% QoQ	+$5.7M	$15.8M -2.4% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	72%
Deposits	$38.0M +5.1% YoY+0.9% QoQ	+$12.5M	$25.5M +0.4% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	74%

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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	1.3% +58.4% YoY+10.5% QoQ	+0.6%	0.7% -731.4% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	73%
NIM	3.8% +17.1% YoY+1.0% QoQ	-0.1%	3.9% +3.8% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	46%
Efficiency Ratio	73.6% -9.6% YoY-2.9% QoQ	-7.8%	81.4% -2.4% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	39%
Delinquency Rate	1.6% -17.9% YoY-1.8% QoQ	+0.1	1.5% -2.0% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	74%
Loan To Share	56.5% -3.7% YoY+0.6% QoQ	-4.7%	61.2% -3.0% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	43%
AMR	$16,720 +4.7% YoY+1.9% QoQ	+$2K	$14,627 -2.7% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	66%
CD Concentration	16.2% +82.4% YoY+7.4% QoQ	-8.2%	24.4% +4.2% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	11.3% -7.3% YoY-5.1% QoQ	-2.7%	14.0% -5.7% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (3 metrics)

509

Fee Income Per Member

profitability

Value: $132.37

Peer Avg: -

#509 of 2596 Top 19.6% in <100M tier

575

Asset Growth Rate

growth

Value: 5.66%

Peer Avg: -

#575 of 2596 Top 22.1% in <100M tier

604

Deposit Growth Rate

growth

Value: 5.07%

Peer Avg: -

#604 of 2596 Top 23.2% in <100M tier

Top Weaknesses (1 metrics)

2369

Indirect Auto Concentration (%)

balance_sheet

Value: 11.27%

Peer Avg: -

#2369 of 2596 Bottom 8.8% in <100M tier