BlastPoint's Credit Union Scorecard
DESERT VALLEYS
Charter #5366 · CA
DESERT VALLEYS shows strong momentum with 13 strengths and 12.9% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 12.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 1.1% in tier
- + Deposit Growth Rate: Top 1.4% in tier
- + Fee Income Per Member: Top 2.2% in tier
- + Total Deposits: Top 2.7% in tier
- + Member Growth Rate: Top 2.8% in tier
- + Total Assets: Top 4.0% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + Total Loans: Top 8.3% in tier
- + Total Members: Top 9.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,992
+12.9% YoY+1.0% QoQ
|
+3.4K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 9.4% in tier |
| Assets |
$88.9M
+24.0% YoY+2.4% QoQ
|
+$59.0M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 4.1% in tier |
| Loans |
$43.7M
+15.3% YoY-0.2% QoQ
|
+$27.9M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 8.3% in tier |
| Deposits |
$79.9M
+24.2% YoY+3.4% QoQ
|
+$54.4M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 2.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-5.0% YoY+16.7% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
4.0%
-12.5% YoY-0.2% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
80.1%
-0.1% YoY-5.1% QoQ
|
-1.3% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.3%
-73.8% YoY+21.7% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
54.7%
-7.1% YoY-3.5% QoQ
|
-6.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$20,612
+7.1% YoY+1.1% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
10.2%
+15.7% YoY-11.3% QoQ
|
-14.2% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)