Desert Rivers

Moab, UT · 1 · Charter #24918 · www.desertriverscu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$116.6M
55th percentile
Members
8,389
57th percentile
Total loans
$96.0M
74th percentile
Total shares
$102.1M
57th percentile

Profitability

Return on assets
1.49%
77th percentile
Net interest margin
4.55%
89th percentile
Efficiency ratio
57.24%
66th percentile
Non-interest income ratio
22.04%
73th percentile

Capital & Risk

Net worth ratio
8.20%
4th percentile
Delinquency rate
1.48%
17th percentile
Net charge-off rate
0.58%
26th percentile
Loan-to-share
94.02%
91th percentile

Growth

Member growth YoY
5.35%
93th percentile
Asset growth YoY
3.92%
50th percentile
Loan growth YoY
8.93%
84th percentile
Share growth YoY
-1.30%
16th percentile

Operations

Members / branch
2,097
24th percentile
Assets / member
$13,894
46th percentile
Field of membership penetration
33.67%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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