BlastPoint's Credit Union Scorecard
VA DESERT PACIFIC
Charter #5530 · CA
VA DESERT PACIFIC demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.98% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.9% in tier
- + Total Loans: Top 2.0% in tier
- + Total Deposits: Top 5.2% in tier
- + Total Members: Top 8.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
- + Loan Growth Rate: Top 9.2% 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 |
6,226
+0.4% YoY0% QoQ
|
+3.6K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 8.4% in tier |
| Assets |
$94.7M
+4.4% YoY-1.3% QoQ
|
+$64.9M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 2.0% in tier |
| Loans |
$60.5M
+11.0% YoY+4.8% QoQ
|
+$44.8M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 2.0% in tier |
| Deposits |
$74.0M
+2.7% YoY-2.1% QoQ
|
+$48.5M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 5.2% in tier |
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| ROA |
1.4%
+7.5% YoY-5.3% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
4.9%
+1.1% YoY+0.9% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
74.4%
+2.0% YoY-0.1% QoQ
|
-7.0% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.3%
+325.2% YoY+1792.0% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
81.9%
+8.1% YoY+7.1% QoQ
|
+20.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$21,603
+5.9% YoY+0.9% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
85% |
| CD Concentration |
13.0%
+40.3% YoY+3.2% QoQ
|
-11.4% |
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)