BlastPoint's Credit Union Scorecard
DESERT FINANCIAL
Charter #68713 · AZ
DESERT FINANCIAL has 7 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Strong member growth: 5.8% YoY
- + Total Deposits: Top 0.1% in tier
- + First Mortgage Concentration (%): Top 0.1% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + Total Assets: Top 3.6% in tier
- + Loan Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.8% in tier
- - Credit Quality Pressure: Bottom 26.6% in tier
- - Indirect Auto Dependency: Bottom 31.2% in tier
- - Efficiency ratio 3.80% above tier (higher cost structure)
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 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Arizona.
- Shares and deposits +6.8% year over year ($8.86B in shares and deposits).
- Membership: 517,794 members, +5.8% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 1.11%.
- Efficiency ratio 69.86% vs a 66.07% peer average.
- Loan-to-share ratio 59.91% vs a 81.29% 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 (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
517,794
+5.8% YoY+1.3% QoQ
|
+78.9K |
438,885
-1.1% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$9.9B
+9.0% YoY+1.0% QoQ
|
+$968.6M |
$8.9B
+0.0% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
Top 7.1% in tier |
| Loans |
$5.3B
+14.2% YoY+2.6% QoQ
|
$-910.5M |
$6.2B
-0.6% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$8.9B
+6.8% YoY+0.6% QoQ
|
+$1.2B |
$7.7B
+2.7% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 3.6% in tier |
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| ROA |
1.1%
+41.2% YoY+28.5% QoQ
|
+0.1% |
1.0%
+4.7% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
2.8%
+12.1% YoY-0.4% QoQ
|
-0.2% |
3.1%
+6.6% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
69.9%
-9.2% YoY-5.5% QoQ
|
+3.8% |
66.1%
+1.6% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.5%
+50.2% YoY+23.2% QoQ
|
-0.3 |
0.8%
+23.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
59.9%
+6.9% YoY+2.0% QoQ
|
-21.4% |
81.3%
-3.8% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.1% in tier |
| AMR |
$27,349
+3.5% YoY+0.1% QoQ
|
$-10K |
$37,279
+8.1% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
18.0%
-4.5% YoY-1.8% QoQ
|
-10.3% | 28.3% | 17.9% | 20.0% | Bottom 10.6% in tier |
| Indirect Auto % |
21.9%
-4.3% YoY-0.2% QoQ
|
+5.1% | 16.8% | 21.3% | 7.7% | 64% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)