BlastPoint's Credit Union Scorecard

DESERET FIRST

Charter #24708 · UT

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 5 in UT

View Mid-Market leaderboard →

DESERET FIRST has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 21.3% in tier
+ Organic Growth Engine: Top 21.3% in tier
+ Emerging Performer: Top 26.4% in tier
+ ROA 0.23% above tier average
+ Strong member growth: 5.4% YoY

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.7% in tier
- Credit Risk Growth: Bottom 63.9% in tier
- Shrinking Wallet Share: Bottom 81.1% in tier
- Net Worth Ratio: Bottom 6.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	87,493 +5.4% YoY+1.2% QoQ	-8.6K	96,048 -2.7% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	52%
Assets	$1.3B +6.6% YoY+2.0% QoQ	$-459.3M	$1.7B +0.4% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	26%
Loans	$1.0B +3.2% YoY-0.3% QoQ	$-204.0M	$1.2B +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	40%
Deposits	$1.1B +5.9% YoY+2.1% QoQ	$-332.1M	$1.5B +0.5% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	33%

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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	1.0% +42.4% YoY+19.6% QoQ	+0.2%	0.7% +27.6% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	76%
NIM	3.4% +7.3% YoY+3.3% QoQ	+0.0%	3.4% +6.2% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	71.8% -5.9% YoY-3.0% QoQ	-2.9%	74.6% -3.0% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.7% +21.1% YoY-7.0% QoQ	-0.1	0.8% +6.9% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	58%
Loan To Share	89.1% -2.5% YoY-2.4% QoQ	+5.9%	83.2% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	61%
AMR	$24,495 -0.8% YoY-0.2% QoQ	$-5K	$29,652 +2.3% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	27%
CD Concentration	29.9% +1.2% YoY-1.4% QoQ	+1.1%	28.8%	28.4%	19.8%	57%
Indirect Auto %	12.0% -5.9% YoY-1.0% QoQ	-6.1%	18.1%	7.1%	7.7%	42%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#20 of 79 • Top 26.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.95%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.44%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Organic Growth Leader

growth

#34 of 116 • Top 21.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.44%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 11.98%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#35 of 115 • Top 21.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.44%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.95%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 11.98%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#109 of 225 • Bottom 28.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#134 of 183 • Bottom 63.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.22%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Shrinking Wallet Share

decline

#73 of 82 • Bottom 81.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.79%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (3 metrics)

Member Growth Rate

growth

Value: 5.44%

Peer Median: 2.03%

#60 of 306 Top 19.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.24%

Peer Median: 0.51%

#60 of 306 Top 19.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.95%

Peer Median: 0.66%

#74 of 306 Top 23.9% in 1B-3B tier

Top Weaknesses (2 metrics)

287

Net Worth Ratio

risk

Value: 8.51%

Peer Median: 10.85%

#287 of 306 Bottom 6.5% in 1B-3B tier

246

AMR Growth Rate

growth

Value: -0.79%

Peer Median: 3.15%

#246 of 306 Bottom 19.9% in 1B-3B tier