BlastPoint's Credit Union Scorecard

DESERT FINANCIAL

Charter #68713 · AZ

Large 7B-10B
33 CUs in 7B-10B nationally 1 in AZ
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DESERT FINANCIAL has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Strong member growth: 5.8% YoY
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 3.0% in tier
  • + Total Deposits: Top 3.0% in tier
  • + Loan Growth Rate: Top 6.1% in tier
  • + Net Charge-Off Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.0% in tier
  • - Credit Quality Pressure: Bottom 13.4% in tier
  • - Indirect Auto Dependency: Bottom 26.9% in tier
  • - ROA 0.17% below tier average
  • - Efficiency ratio 11.23% above tier (higher cost structure)
  • - Loan-to-Share Ratio: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 504,296
+5.8% YoY+1.3% QoQ
 +58.4K 445,922
+0.4% YoY
 61,128
+6.4% YoY
 33,374
+5.7% YoY
 64%
Assets $9.5B
+8.6% YoY+3.9% QoQ
 +$604.1M $8.9B
+0.9% YoY
 $1.0B
+13.9% YoY
 $561.6M
+9.7% YoY
 67%
Loans $5.0B
+15.7% YoY+2.9% QoQ
 $-1.3B $6.3B
+0.8% YoY
 $668.7M
+14.2% YoY
 $397.0M
+8.8% YoY
 15%
Deposits $8.5B
+7.2% YoY+2.6% QoQ
 +$1.0B $7.5B
+1.2% YoY
 $919.7M
+13.3% YoY
 $477.3M
+9.7% YoY
 Top 6.1% 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 0.8%
-2.4% YoY+1.2% QoQ
 -0.2% 1.0%
+27.8% YoY
 0.7%
+37.2% YoY
 0.7%
+15.9% YoY
 36%
NIM 2.6%
+15.4% YoY-0.6% QoQ
 -0.4% 3.0%
+12.0% YoY
 4.0%
+4.9% YoY
 3.8%
+5.1% YoY
 21%
Efficiency Ratio 76.0%
+1.0% YoY-0.8% QoQ
 +11.2% 64.8%
-2.3% YoY
 75.5%
-2.7% YoY
 79.7%
-3.3% YoY
 82%
Delinquency Rate 0.4%
+53.6% YoY+23.7% QoQ
 -0.3 0.7%
+5.5% YoY
 1.0%
+13.7% YoY
 1.3%
-2.1% YoY
 27%
Loan To Share 58.6%
+8.0% YoY+0.3% QoQ
 -24.8% 83.4%
-0.6% YoY
 70.1%
-3.4% YoY
 67.4%
-1.7% YoY
 Bottom 6.1% in tier
AMR $26,842
+4.2% YoY+1.4% QoQ
 $-7K $34,266
-1.7% YoY
 $19,516
+4.9% YoY
 $19,687
+2.0% YoY
 24%
CD Concentration 19.1%
-2.5% YoY-1.8% QoQ
 -10.1% 29.1% 17.2% 19.8% Bottom 11.9% in tier
Indirect Auto % 22.2%
-6.3% YoY-1.8% QoQ
 +5.1% 17.1% 22.5% 7.8% 66%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Risk Growth

risk
#4 of 31 • Bottom 6.0% in tier

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

Why This Signature
Loan Growth (YoY): 15.73%
(Tier: 6.96%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
31 of 68 Large CUs have this signature | 665 nationally
→ No prior data (31 CUs now) | New qualifier

Credit Quality Pressure

risk
#9 of 37 • Bottom 13.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
37 of 68 Large CUs have this signature | 969 nationally
→ Stable (41→37 CUs) -4 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#22 of 35 • Bottom 26.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.56%
(Tier: 8.38%, National: 3.54%)
but better than tier avg
Indirect Auto %: 22.22%
(Tier: 17.09%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 5.75%
(Tier: 4.35%, National: 4.32%)
but better than tier avg
35 of 68 Large CUs have this signature | 745 nationally
→ Stable (35→35 CUs)

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)

Comparing against 33 peers in tier

Top Strengths (8 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 11.34%
Peer Median: -
#1 of 33 Top 0.1% in 7B-10B tier
2
Fee Income Per Member
profitability
Value: $303.77
Peer Median: -
#2 of 33 Top 3.0% in 7B-10B tier
2
Total Deposits
balance_sheet
Value: $8.54B
Peer Median: -
#2 of 33 Top 3.0% in 7B-10B tier
3
Loan Growth Rate
growth
Value: 15.73%
Peer Median: -
#3 of 33 Top 6.1% in 7B-10B tier
4
Net Charge-Off Rate
risk
Value: 0.22%
Peer Median: -
#4 of 33 Top 9.1% in 7B-10B tier
5
Asset Growth Rate
growth
Value: 8.56%
Peer Median: -
#5 of 33 Top 12.1% in 7B-10B tier
6
Member Growth Rate
growth
Value: 5.75%
Peer Median: -
#6 of 33 Top 15.2% in 7B-10B tier
6
Share Certificate Concentration (%)
balance_sheet
Value: 19.08%
Peer Median: -
#6 of 33 Top 15.2% in 7B-10B tier

Top Weaknesses (5 metrics)

31
Loan-to-Share Ratio
balance_sheet
Value: 58.56%
Peer Median: -
#31 of 33 Bottom 9.1% in 7B-10B tier
30
Loan-to-Member Ratio (LMR)
engagement
Value: $9,913
Peer Median: -
#30 of 33 Bottom 12.1% in 7B-10B tier
28
Efficiency Ratio
profitability
Value: 76.03%
Peer Median: -
#28 of 33 Bottom 18.2% in 7B-10B tier
28
Total Loans
balance_sheet
Value: $5.00B
Peer Median: -
#28 of 33 Bottom 18.2% in 7B-10B tier
26
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Median: -
#26 of 33 Bottom 24.2% in 7B-10B tier
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