BlastPoint's Credit Union Scorecard
DESERT FINANCIAL
Charter #68713 · AZ
DESERT FINANCIAL has 7 strengths but faces 6 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 34.0% in tier
- + 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 10.0% in tier
- - Credit Quality Pressure: Bottom 22.2% in tier
- - Indirect Auto Dependency: Bottom 61.8% 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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| 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 (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)