DESERT RIVERS
Charter #24918 · Moab, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,499 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 8.47% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 0.03% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 4.66% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.22% sits at the 92nd percentile of structural peers — worth a closer look.
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 | DESERT RIVERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $112.90M | 9th pct | 10th pct |
| Members | 8,499 | 21th pct | 21th pct |
| Net worth ratio | 8.47% | 7th pct | 8th pct |
| Return on average assets | 0.03% | 9th pct | 11th pct |
| Net interest margin | 4.66% | 93th pct | 84th pct |
| Cost of funds | 2.22% | 93th pct | 92th pct |
| Loan-to-share | 94.11% | 95th pct | 90th pct |
| Delinquency 60+ days | 1.43% | 88th pct | 90th pct |
| Net charge-off ratio | 0.78% | 83th pct | 82th pct |
| Loan growth YoY | 7.33% | 95th pct | 97th pct |
| Share growth YoY | -1.67% | 4th pct | 5th pct |
| Efficiency ratio | 87.00% | 78th pct | 72th pct |
structural peer set hash: 5dcef436fae70c0bf9b1f1f3d0ae98be… (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.