Desert Financial

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

$9.5B

98^th percentile

Members

504,296

97^th percentile

Total loans

$5.0B

92^th percentile

Total shares

$8.5B

100^th percentile

Profitability

Return on assets

0.94%

46^th percentile

Net interest margin

2.53%

16^th percentile

Efficiency ratio

53.39%

43^th percentile

Non-interest income ratio

27.26%

92^th percentile

Capital & Risk

Net worth ratio

11.61%

65^th percentile

Delinquency rate

0.44%

78^th percentile

Net charge-off rate

0.22%

85^th percentile

Loan-to-share

58.56%

5^th percentile

Growth

Member growth YoY

5.75%

83^th percentile

Asset growth YoY

8.56%

73^th percentile

Loan growth YoY

15.73%

93^th percentile

Share growth YoY

7.21%

66^th percentile

Operations

Members / branch

10,292

76^th percentile

Assets / member

$18,908

59^th percentile

Field of membership penetration

6.62%

54^th percentile

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