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 Engine: Top 22.8% in tier
- + Organic Growth Leader: Top 27.0% in tier
- + Emerging Performer: Top 29.0% in tier
- + ROA 0.11% above tier average
- + Strong member growth: 5.8% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 62.4% in tier
- - Credit Risk Growth: Bottom 87.1% in tier
- - Liquidity Strain: Bottom 93.3% in tier
- - Shrinking Wallet Share: Bottom 97.4% in tier
- - Net Worth Ratio: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,458
+5.8% YoY+0.6% QoQ
|
-11.0K |
97,431
-2.4% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$1.2B
+8.8% YoY+1.4% QoQ
|
$-487.8M |
$1.7B
+0.9% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$1.0B
+2.1% YoY-0.7% QoQ
|
$-221.4M |
$1.2B
+0.5% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$1.1B
+8.1% YoY+1.0% QoQ
|
$-349.2M |
$1.5B
+0.9% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.8%
+3.4% YoY+12.1% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.3%
+8.8% YoY+0.6% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
74.0%
-5.0% YoY-0.6% QoQ
|
-0.1% |
74.1%
-9.5% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.8%
+13.3% YoY+10.2% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
91.3%
-5.6% YoY-1.8% QoQ
|
+6.5% |
84.8%
-0.8% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$24,556
-0.7% YoY-0.4% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
30.4%
+1.9% YoY-0.8% QoQ
|
+1.3% | 29.0% | 28.4% | 19.8% | 57% |
| Indirect Auto % |
12.1%
-27.7% YoY-1.0% QoQ
|
-6.2% | 18.3% | 7.4% | 7.8% | 42% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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 (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)