BlastPoint's Credit Union Scorecard
DESERET FIRST
Charter #24708 · UT
DESERET FIRST has 5 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 7.7% in tier
- + Organic Growth Engine: Top 8.7% in tier
- + Emerging Performer: Top 46.5% in tier
- + ROA 0.00% above tier average
- + Strong member growth: 6.3% YoY
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 25.2% in tier
- - Liquidity Strain: Bottom 25.6% in tier
- - Credit Quality Pressure: Bottom 28.0% in tier
- - Efficiency ratio 0.42% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,969
+6.3% YoY+1.8% QoQ
|
-12.7K |
98,678
-1.9% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$1.2B
+8.8% YoY+2.2% QoQ
|
$-500.6M |
$1.7B
+0.5% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$1.0B
+7.0% YoY+1.5% QoQ
|
$-212.5M |
$1.2B
+0.5% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$1.1B
+8.3% YoY+1.8% QoQ
|
$-355.5M |
$1.5B
+1.3% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
0.7%
-1.5% YoY+5.0% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
3.2%
+9.1% YoY+1.4% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
74.4%
-5.1% YoY-1.5% QoQ
|
+0.4% |
74.0%
-10.9% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.7%
+0.1% YoY+9.8% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
92.9%
-1.2% YoY-0.3% QoQ
|
+7.7% |
85.2%
-0.8% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$24,654
+1.2% YoY-0.2% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
30.6%
+2.9% YoY+1.3% QoQ
|
+1.6% |
29.0%
+0.7% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
60% |
| Indirect Auto % |
12.2%
-18.6% YoY-6.8% QoQ
|
-6.6% |
18.8%
-3.0% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
40% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)