BlastPoint's Credit Union Scorecard

DESERT RIVERS

Charter #24918 · UT

1069 CUs in 100M-500M nationally 13 in UT

DESERT RIVERS has 10 strengths but faces 8 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

+ Organic Growth Engine: Top 9.4% in tier
+ Organic Growth Leader: Top 17.7% in tier
+ Emerging Performer: Top 32.6% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.98% above tier average
+ Strong member growth: 5.3% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 2.2% in tier
+ Loan-to-Share Ratio: Top 7.8% in tier
+ Member Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.8% in tier
- Credit Quality Pressure: Bottom 11.4% in tier
- Liquidity Strain: Bottom 47.1% in tier
- Shrinking Wallet Share: Bottom 64.7% in tier
- Deposit Outflow: Bottom 88.2% in tier
- Delinquency rate 0.59% above tier average
- Share Certificate Concentration (%): Bottom 3.3% in tier
- Net Worth Ratio: Bottom 4.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	8,389 +5.3% YoY+1.0% QoQ	-7.0K	15,437 -2.9% YoY	78,581 +8.3% YoY	33,374 +5.7% YoY	20%
Assets	$116.6M +3.9% YoY+1.7% QoQ	$-115.3M	$231.9M +1.3% YoY	$1.2B +12.9% YoY	$561.6M +9.7% YoY	Bottom 10.9% in tier
Loans	$96.0M +8.9% YoY+6.4% QoQ	$-51.4M	$147.3M -0.1% YoY	$958.3M +12.4% YoY	$397.0M +8.8% YoY	32%
Deposits	$102.1M -1.3% YoY-2.5% QoQ	$-98.7M	$200.8M +0.8% YoY	$1.1B +12.7% YoY	$477.3M +9.7% YoY	Bottom 12.1% in tier

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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% +3.9% YoY-26.1% QoQ	+0.2%	0.8% +18.2% YoY	0.8% +12.1% YoY	0.7% +15.9% YoY	68%
NIM	4.6% +12.0% YoY-0.7% QoQ	+1.0%	3.6% +6.7% YoY	3.4% +4.7% YoY	3.8% +5.1% YoY	Top 7.9% in tier
Efficiency Ratio	76.0% -0.5% YoY+3.2% QoQ	-1.0%	77.0% -3.1% YoY	72.6% -3.7% YoY	79.7% -3.3% YoY	45%
Delinquency Rate	1.5% +85.9% YoY+37.8% QoQ	+0.6	0.9% +4.2% YoY	1.0% +50.5% YoY	1.3% -2.1% YoY	Top 14.2% in tier
Loan To Share	94.0% +10.4% YoY+9.1% QoQ	+21.8%	72.2% -1.1% YoY	76.7% -4.3% YoY	67.4% -1.7% YoY	Top 7.9% in tier
AMR	$23,606 -1.8% YoY+0.6% QoQ	$-1K	$24,676 +3.4% YoY	$21,704 +5.2% YoY	$19,687 +2.0% YoY	55%
CD Concentration	45.8% -19.0% YoY-5.8% QoQ	+21.4%	24.4%	28.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.4%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#57 of 595 • Top 9.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#76 of 426 • Top 17.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#60 of 182 • Top 32.6% 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: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 5.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (5)

Credit Risk Growth

risk

#50 of 456 • Bottom 10.8% in tier

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

Why This Signature

Loan Growth (YoY): 8.93%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.68% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#81 of 705 • Bottom 11.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.68% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Strain

risk

#108 of 228 • Bottom 47.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.02%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 8.93%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#135 of 208 • Bottom 64.7% in tier

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

Why This Signature

AMR Growth (YoY): -1.85%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Deposit Outflow

decline

#61 of 69 • Bottom 88.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.30%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 5.35%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | 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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.83%

Peer Median: -

#24 of 1069 Top 2.2% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.59%

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.02%

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

Member Growth Rate

growth

Value: 5.35%

Peer Median: -

#96 of 1069 Top 8.9% in 100M-500M tier

118

Fee Income Per Member

profitability

Value: $261.65

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

218

Loan Growth Rate

growth

Value: 8.93%

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1035

Share Certificate Concentration (%)

balance_sheet

Value: 45.82%

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

1019

Net Worth Ratio

risk

Value: 8.20%

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

956

AMR Growth Rate

growth

Value: -1.85%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

953

Total Assets

balance_sheet

Value: $116.55M

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

951

Deposit Growth Rate

growth

Value: -1.30%

Peer Median: -

#951 of 1069 Bottom 11.1% in 100M-500M tier

940

Total Deposits

balance_sheet

Value: $102.07M

Peer Median: -

#940 of 1069 Bottom 12.2% in 100M-500M tier

918

Total Delinquency Rate (60+ days)

risk

Value: 1.48%

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

860

Total Members

engagement

Value: 8,389

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

851

Members Per Employee (MPE)

engagement

Value: 254.212

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier