BlastPoint's Credit Union Scorecard

DESERT RIVERS

Charter #24918 · UT

100M-500M

1024 CUs in 100M-500M nationally 10 in UT

DESERT RIVERS has 4 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 1.00% above tier average
+ First Mortgage Concentration (%): Top 1.7% in tier
+ AMR Growth Rate: Top 9.6% 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
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.35% below tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Utah.
Shares and deposits +3.8% year over year ($106M in shares and deposits).
Membership: 7,875 members, -3.8% vs a year ago.
Delinquency rate 1.34%.
Return on assets 0.52%.
Efficiency ratio 85.47% vs a 76.73% peer average.
Loan-to-share ratio 90.65% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	7,875 -3.8% YoY-7.3% QoQ	-7.3K	15,168 -2.6% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	17%
Assets	$116.7M +4.0% YoY+3.4% QoQ	$-115.3M	$232.0M +0.7% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	Bottom 10.8% in tier
Loans	$96.5M +8.5% YoY-0.4% QoQ	$-49.8M	$146.3M +0.2% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	34%
Deposits	$106.4M +3.8% YoY+3.4% QoQ	$-94.3M	$200.7M +0.2% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	Bottom 14.7% 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	0.5% -66.9% YoY	-0.3%	0.9% +12.5% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	30%
NIM	4.7% +2.8% YoY-1.2% QoQ	+1.0%	3.7% +4.5% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	Top 7.8% in tier
Efficiency Ratio	85.5% +17.6% YoY-1.8% QoQ	+8.7%	76.7% -0.8% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	77%
Delinquency Rate	1.3% +64.7% YoY-5.8% QoQ	+0.5	0.9% +6.6% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	82%
Loan To Share	90.7% +4.6% YoY-3.7% QoQ	+19.1%	71.5% -0.3% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	Top 13.7% in tier
AMR	$25,761 +10.2% YoY+9.6% QoQ	+$654	$25,107 +3.2% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	64%
CD Concentration	49.0% -3.6% YoY+3.9% QoQ	+24.4%	24.6%	28.5%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#121 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.18%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (7)

Credit Risk Growth

risk

#49 of 472 • 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): 8.50%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.53% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#126 of 693 • 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): 0.53% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Membership Headwinds

decline

#180 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#264 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 8.50%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.34%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Cost Spiral

risk

#57 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 12.78% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 72.69%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Liquidity Strain

risk

#185 of 224 • 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: 90.65%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 8.50%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Efficiency Drag

risk

#466 of 531 • 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: 85.47%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -1.05% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.54%

Peer Median: 29.92%

#18 of 1024 Top 1.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.68%

Peer Median: 3.67%

#80 of 1024 Top 7.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.18%

Peer Median: 3.53%

#99 of 1024 Top 9.6% in 100M-500M tier

110

Fee Income Per Member

profitability

Value: $254.48

Peer Median: $159.88

#110 of 1024 Top 10.6% in 100M-500M tier

140

Loan-to-Share Ratio

balance_sheet

Value: 90.65%

Peer Median: 73.07%

#140 of 1024 Top 13.6% in 100M-500M tier

223

Loan Growth Rate

growth

Value: 8.50%

Peer Median: 3.02%

#223 of 1024 Top 21.7% in 100M-500M tier

247

Loan-to-Member Ratio (LMR)

engagement

Value: $12,249

Peer Median: $9,434

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (10 metrics)

1002

Share Certificate Concentration (%)

balance_sheet

Value: 48.96%

Peer Median: 23.39%

#1002 of 1024 Bottom 2.2% in 100M-500M tier

966

Net Worth Ratio

risk

Value: 8.44%

Peer Median: 11.71%

#966 of 1024 Bottom 5.8% in 100M-500M tier

913

Total Assets

balance_sheet

Value: $116.69M

Peer Median: $196.38M

#913 of 1024 Bottom 10.9% in 100M-500M tier

875

Member Growth Rate

growth

Value: -3.82%

Peer Median: -0.03%

#875 of 1024 Bottom 14.6% in 100M-500M tier

873

Total Deposits

balance_sheet

Value: $106.41M

Peer Median: $170.77M

#873 of 1024 Bottom 14.8% in 100M-500M tier

868

Members Per Employee (MPE)

engagement

Value: 238.636

Peer Median: 310.924

#868 of 1024 Bottom 15.3% in 100M-500M tier

855

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: 0.34%

#855 of 1024 Bottom 16.6% in 100M-500M tier

846

Total Members

engagement

Value: 7,875

Peer Median: 13,128

#846 of 1024 Bottom 17.5% in 100M-500M tier

837

Total Delinquency Rate (60+ days)

risk

Value: 1.34%

Peer Median: 0.71%

#837 of 1024 Bottom 18.4% in 100M-500M tier

792

Efficiency Ratio

profitability

Value: 85.47%

Peer Median: 77.26%

#792 of 1024 Bottom 22.8% in 100M-500M tier