Deseret First

West Valley Cit, UT · 1 · Charter #24708 · www.dfcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.2B
16th percentile
Members
86,458
34th percentile
Total loans
$1.0B
26th percentile
Total shares
$1.1B
22th percentile

Profitability

Return on assets
1.20%
64th percentile
Net interest margin
3.23%
52th percentile
Efficiency ratio
50.81%
53th percentile
Non-interest income ratio
20.63%
66th percentile

Capital & Risk

Net worth ratio
8.21%
5th percentile
Delinquency rate
0.76%
48th percentile
Net charge-off rate
0.31%
77th percentile
Loan-to-share
91.25%
54th percentile

Growth

Member growth YoY
5.82%
83th percentile
Asset growth YoY
8.80%
74th percentile
Loan growth YoY
2.06%
30th percentile
Share growth YoY
8.06%
70th percentile

Operations

Members / branch
6,651
39th percentile
Assets / member
$14,291
16th percentile
Field of membership penetration
6.65%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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