DESERET FIRST
Charter #24708 | UT
DESERET FIRST has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 6.6% in tier
- + Organic Growth Leader: Top 7.7% in tier
- + Organic Growth Engine: Top 8.7% in tier
- + Relationship Depth Leader: Top 32.8% in tier
- + Wallet Share Momentum: Top 33.1% in tier
- + ROA 0.00% above tier average
- + Strong member growth: 6.3% YoY
Key Concerns
Areas that may need attention
- - Growth-at-Risk: 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
|
48th in tier |
| 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
|
Bottom 23.4% in tier |
| 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
|
40th in tier |
| 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
|
30th in tier |
| 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
|
55th in tier |
| 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
|
45th in tier |
| 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
|
48th in tier |
| 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
|
50th in tier |
| 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
|
66th in tier |
| 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
|
32nd in tier |
| CD Concentration |
30.6%
+2.9% YoY+1.3% QoQ
|
+1.6% |
29.0%
+0.8% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
60th in tier |
| Indirect Auto % |
12.2%
-18.6% YoY-6.8% QoQ
|
-6.6% |
18.8%
-2.8% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
40th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (3)
Growth-at-Risk
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)