BlastPoint's Credit Union Scorecard

DESERT FINANCIAL

Charter #68713 · AZ

Large 7B-10B

29 CUs in 7B-10B nationally 1 in AZ

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DESERT FINANCIAL has 4 strengths but faces 5 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: 5.7% YoY
+ Total Deposits: Top 0.1% in tier
+ First Mortgage Concentration (%): Top 0.1% in tier
+ Fee Income Per Member: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.9% in tier
- Credit Quality Pressure: Bottom 18.8% in tier
- Indirect Auto Dependency: Bottom 32.8% in tier
- ROA 0.08% below tier average
- Efficiency ratio 7.91% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	511,369 +5.7% YoY+1.4% QoQ	+74.5K	436,889 -2.3% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	66%
Assets	$9.8B +8.0% YoY+2.7% QoQ	+$881.6M	$8.9B -0.1% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	Top 13.8% in tier
Loans	$5.2B +15.9% YoY+3.4% QoQ	$-976.5M	$6.1B -1.1% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	21%
Deposits	$8.8B +5.9% YoY+3.1% QoQ	+$1.1B	$7.7B +1.8% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	Top 3.4% 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	0.9% +28.9% YoY+8.7% QoQ	-0.1%	0.9% +16.3% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	41%
NIM	2.8% +15.2% YoY+10.4% QoQ	-0.2%	3.1% +6.3% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	31%
Efficiency Ratio	74.0% -6.2% YoY-2.7% QoQ	+7.9%	66.1% -2.8% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.4% +51.8% YoY-14.4% QoQ	-0.2	0.6% +12.0% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	24%
Loan To Share	58.7% +9.4% YoY+0.3% QoQ	-21.7%	80.4% -3.4% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	Bottom 6.9% in tier
AMR	$27,322 +3.5% YoY+1.8% QoQ	$-10K	$37,056 +6.8% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	24%
CD Concentration	18.3% -1.7% YoY-3.9% QoQ	-10.3%	28.6%	17.3%	19.8%	Bottom 10.6% in tier
Indirect Auto %	22.0% -5.1% YoY-1.1% QoQ	+5.6%	16.4%	21.9%	7.7%	65%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Risk Growth

risk

#5 of 35 • Bottom 10.9% in tier

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

Why This Signature

Loan Growth (YoY): 15.87%

(Tier: 7.53%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

35 of 66 Large CUs have this signature | 710 nationally

→ No prior data (35 CUs now) | New qualifier

Credit Quality Pressure

risk

#12 of 42 • Bottom 18.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

42 of 66 Large CUs have this signature | 1013 nationally

→ Stable (39→42 CUs) +3 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#20 of 34 • Bottom 32.8% in tier

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

Why This Signature

Asset Growth (YoY): 7.97%

(Tier: 8.53%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.96%

(Tier: 16.37%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.68%

(Tier: 4.32%, National: 10.19%)

but better than tier avg

34 of 66 Large CUs have this signature | 745 nationally

→ Stable (34→34 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)

Compare against:

Comparing against 29 peers in tier

Top Strengths (10 metrics)

Total Deposits

balance_sheet

Value: $8.80B

Peer Median: $7.73B

#1 of 29 Top 0.1% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 11.52%

Peer Median: 37.49%

#1 of 29 Top 0.1% in 7B-10B tier

Fee Income Per Member

profitability

Value: $278.76

Peer Median: $199.06

#3 of 29 Top 6.9% in 7B-10B tier

Loan Growth Rate

growth

Value: 15.87%

Peer Median: 4.07%

#4 of 29 Top 10.3% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.79B

Peer Median: $9.14B

#4 of 29 Top 10.3% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.33%

Peer Median: 25.99%

#4 of 29 Top 10.3% in 7B-10B tier

Member Growth Rate

growth

Value: 5.68%

Peer Median: 2.73%

#5 of 29 Top 13.8% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Median: 0.45%

#5 of 29 Top 13.8% in 7B-10B tier

Asset Growth Rate

growth

Value: 7.97%

Peer Median: 3.62%

#7 of 29 Top 20.7% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: 0.62%

#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 58.74%

Peer Median: 82.39%

#27 of 29 Bottom 10.3% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,110

Peer Median: $13,058

#27 of 29 Bottom 10.3% in 7B-10B tier

Total Loans

balance_sheet

Value: $5.17B

Peer Median: $6.40B

#23 of 29 Bottom 24.1% in 7B-10B tier