BlastPoint's Credit Union Scorecard

DESERT RIVERS

Charter #24918 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 in UT

DESERT RIVERS has 7 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 1.11% above tier average
+ Strong member growth: 5.7% YoY
+ First Mortgage Concentration (%): Top 2.4% in tier
+ Loan-to-Share Ratio: Top 5.0% in tier
+ Member Growth Rate: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.70% below tier average
- Efficiency ratio 8.98% above tier (higher cost structure)
- Delinquency rate 0.65% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	8,499 +5.7% YoY+1.3% QoQ	-6.6K	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	21%
Assets	$112.9M +1.5% YoY-3.1% QoQ	$-118.8M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	Bottom 8.9% in tier
Loans	$96.8M +9.6% YoY+0.9% QoQ	$-47.3M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	35%
Deposits	$102.9M +0.9% YoY+0.8% QoQ	$-98.2M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	Bottom 12.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.0% -98.4% YoY-96.9% QoQ	-0.7%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	Bottom 8.8% in tier
NIM	4.7% +6.0% YoY+3.2% QoQ	+1.1%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	Top 5.9% in tier
Efficiency Ratio	87.0% +27.8% YoY+14.4% QoQ	+9.0%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	1.4% +94.0% YoY-3.8% QoQ	+0.7	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	Bottom 12.0% in tier
Loan To Share	94.1% +8.6% YoY+0.1% QoQ	+23.7%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	Top 5.0% in tier
AMR	$23,502 -0.7% YoY-0.4% QoQ	$-1K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	54%
CD Concentration	47.1% -10.6% YoY+2.9% QoQ	+22.9%	24.3%	28.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#63 of 371 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 5.70%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#182 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.70%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.03%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (5)

Credit Risk Growth

risk

#38 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 9.57%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.69% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#72 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.69% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Strain

risk

#57 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.11%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.57%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Efficiency Drag

risk

#544 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.00%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.88% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 5.70%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#218 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.73%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 1.08%

Peer Median: 29.47%

#27 of 1070 Top 2.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.11%

Peer Median: 71.88%

#54 of 1070 Top 5.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.74%

Peer Median: 3.62%

#63 of 1070 Top 5.8% in 100M-500M tier

Member Growth Rate

growth

Value: 5.70%

Peer Median: -0.06%

#88 of 1070 Top 8.1% in 100M-500M tier

194

Fee Income Per Member

profitability

Value: $220.67

Peer Median: $154.95

#194 of 1070 Top 18.0% in 100M-500M tier

199

Loan Growth Rate

growth

Value: 9.57%

Peer Median: 2.93%

#199 of 1070 Top 18.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1044

Share Certificate Concentration (%)

balance_sheet

Value: 47.13%

Peer Median: 23.10%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

997

Net Worth Ratio

risk

Value: 8.47%

Peer Median: 11.45%

#997 of 1070 Bottom 6.9% in 100M-500M tier

976

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: 0.69%

#976 of 1070 Bottom 8.9% in 100M-500M tier

975

Total Assets

balance_sheet

Value: $112.90M

Peer Median: $196.57M

#975 of 1070 Bottom 9.0% in 100M-500M tier

943

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Median: 0.61%

#943 of 1070 Bottom 12.0% in 100M-500M tier

932

Total Deposits

balance_sheet

Value: $102.90M

Peer Median: $171.29M

#932 of 1070 Bottom 13.0% in 100M-500M tier

889

AMR Growth Rate

growth

Value: -0.73%

Peer Median: 3.46%

#889 of 1070 Bottom 17.0% in 100M-500M tier

882

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.35%

#882 of 1070 Bottom 17.7% in 100M-500M tier

863

Members Per Employee (MPE)

engagement

Value: 249.971

Peer Median: 309.176

#863 of 1070 Bottom 19.4% in 100M-500M tier

841

Total Members

engagement

Value: 8,499

Peer Median: 13,200

#841 of 1070 Bottom 21.5% in 100M-500M tier