DESERTVIEW
Charter #13790 · Huntington, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.53% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.62% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.50% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 52nd — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DESERTVIEW | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.59M | 98th pct | 72th pct |
| Members | 3,472 | 84th pct | 52th pct |
| Net worth ratio | 13.28% | 47th pct | 57th pct |
| Return on average assets | 1.27% | 79th pct | 69th pct |
| Net interest margin | 3.63% | 39th pct | 39th pct |
| Cost of funds | 1.53% | 79th pct | 77th pct |
| Loan-to-share | 50.91% | 39th pct | 49th pct |
| Delinquency 60+ days | 1.62% | 80th pct | 77th pct |
| Net charge-off ratio | 0.50% | 71th pct | 75th pct |
| Loan growth YoY | -0.12% | 69th pct | 57th pct |
| Share growth YoY | 10.92% | 96th pct | 95th pct |
| Efficiency ratio | 71.48% | 29th pct | 43th pct |
structural peer set hash: 02fb40810a81a3f43800da2aa641658b… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.