BlastPoint's Credit Union Scorecard
DESERT FINANCIAL
Charter #68713 · AZ
DESERT FINANCIAL has 8 strengths but faces 8 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
- + Organic Growth Engine: Top 12.2% in tier
- + Credit Quality Leader: Top 100.0% in tier
- + Strong member growth: 5.3% YoY
- + Loan Growth Rate: Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.3% in tier
- + Net Charge-Off Rate: Top 6.7% in tier
- + Total Deposits: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.1% in tier
- - Credit Quality Pressure: Bottom 9.0% in tier
- - Indirect Auto Dependency: Bottom 26.3% in tier
- - Margin Compression: Bottom 28.6% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 12.92% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Total Loans: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
497,868
+5.3% YoY+1.7% QoQ
|
+38.6K |
459,296
+3.8% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$9.2B
+3.1% YoY+1.1% QoQ
|
+$253.1M |
$8.9B
+1.2% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$4.9B
+15.0% YoY+4.6% QoQ
|
$-1.5B |
$6.3B
+2.9% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.7% in tier |
| Deposits |
$8.3B
+7.4% YoY+0.3% QoQ
|
+$865.6M |
$7.5B
+2.3% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 10.0% in tier |
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| ROA |
0.8%
-13.8% YoY-0.1% QoQ
|
-0.2% |
1.0%
+22.1% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
2.6%
+17.5% YoY+2.6% QoQ
|
-0.4% |
3.0%
+11.5% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
76.6%
+5.0% YoY-0.4% QoQ
|
+12.9% |
63.7%
-2.2% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
Top 10.0% in tier |
| Delinquency Rate |
0.4%
+63.3% YoY+15.1% QoQ
|
-0.3 |
0.7%
+10.8% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
58.4%
+7.0% YoY+4.3% QoQ
|
-27.0% |
85.4%
+0.7% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.3% in tier |
| AMR |
$26,469
+4.5% YoY+0.2% QoQ
|
$-7K |
$33,660
-2.9% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
19.4%
+2.3% YoY+3.0% QoQ
|
-9.4% |
28.9%
-1.3% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
16% |
| Indirect Auto % |
22.6%
-9.0% YoY-1.2% QoQ
|
+6.0% |
16.6%
-10.3% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
69% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)