BlastPoint's Credit Union Scorecard

DESERT FINANCIAL

Charter #68713 · AZ

Large 7B-10B

Desert Financial at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Desert Financial is one of 101 credit unions in the 2026 VentureTech card set. We also found Desert Financial's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Desert Financial

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DESERT FINANCIAL
PEER · AT VENTURETECH
PEER · AT VENTURETECH
DESERT FINANCIAL'S BIGGEST OPPORTUNITY

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

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DESERT FINANCIAL has 7 strengths but faces 4 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

+ 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)

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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)

No strengths identified

Concerns (3)

Credit Risk Growth

risk

#6 of 28 • Bottom 7.8% in tier

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

Why This Signature

Loan Growth (YoY): 14.22%

(Tier: 7.79%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY

Credit Quality Pressure

risk

#17 of 33 • Bottom 26.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#22 of 35 • Bottom 31.2% in tier

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

Why This Signature

Asset Growth (YoY): 8.96%

(Tier: 8.71%, National: 3.30%)

but better than tier avg

Indirect Auto %: 21.91%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 5.77%

(Tier: 4.24%, National: 15.67%)

but better than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY | Rank improving

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 28 peers in tier

Top Strengths (10 metrics)

Total Deposits

balance_sheet

Value: $8.86B

Peer Median: $7.79B

#1 of 28 Top 0.1% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 11.76%

Peer Median: 37.58%

#1 of 28 Top 0.1% in 7B-10B tier

Fee Income Per Member

profitability

Value: $316.40

Peer Median: $206.85

#2 of 28 Top 3.6% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.89B

Peer Median: $9.14B

#2 of 28 Top 3.6% in 7B-10B tier

Loan Growth Rate

growth

Value: 14.22%

Peer Median: 4.76%

#3 of 28 Top 7.1% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.01%

Peer Median: 26.96%

#4 of 28 Top 10.7% in 7B-10B tier

Member Growth Rate

growth

Value: 5.77%

Peer Median: 2.28%

#5 of 28 Top 14.3% in 7B-10B tier

Asset Growth Rate

growth

Value: 8.96%

Peer Median: 4.49%

#8 of 28 Top 25.0% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.47%

Peer Median: 0.71%

#8 of 28 Top 25.0% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.29%

Peer Median: 0.42%

#8 of 28 Top 25.0% in 7B-10B tier

Top Weaknesses (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 59.91%

Peer Median: 83.58%

#26 of 28 Bottom 10.7% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,246

Peer Median: $13,051

#26 of 28 Bottom 10.7% in 7B-10B tier

Total Loans

balance_sheet

Value: $5.31B

Peer Median: $6.60B

#22 of 28 Bottom 25.0% in 7B-10B tier