Federal credit union · Moab, Utah · NCUA charter #24918
Desert Rivers
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $116.6M
- Total assets
- 8,389
- Members
- 8.5%
- Net-worth ratio
Desert Rivers scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $116.6M; members 8,389; net-worth ratio 8.47%; health rank #1,868 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,868 of 4,374 health · 2025Q4Desert Rivers · health 86/100 · $116.6M · 2025Q4
Call Report peers
Desert Rivers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Desert Rivers vs every NCUA-scored credit union
Desert Rivers sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Desert Rivers
- Largest favorable gap: Loan-to-Share Ratio at 94.02% vs peer 72.20% (+21.82 pp).
- Net Worth Ratio trails the peer set - 8.47% here, 12.11% peer average (-3.64 pp).
Desert Rivers in Utah
- Health composite ranks #28 of 53 among scored Utah credit unions.
- Assets rank #24 of 53 inside Utah ($116.6M reported).
- Membership ranks #24 of 53 among Utah CUs with a reported count (8,389 members).
- One place up in Utah, Nephi Western Employees (#27) ties at 86/100; one place down, VAREX (#29) scores 84/100, 2 points lower.
Desert Rivers Call Report trajectory
Desert Rivers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.1% from $116.6M (2025Q4) to $112.9M (2026Q1).
- Net-worth ratio shifted +0.27 pp (8.20% → 8.47%).
8.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Desert Rivers gives up 14 points in total. Delinquency Rate costs the most, 8.6 of its 25; Return on Assets and Member Growth score full marks.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 16.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
Desert Rivers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.47% | -3.64 pp |
| Delinquency Rate | 1.48% | +0.59 pp |
| Return on Assets | 0.93% | +0.31 pp |
| Member Growth | 5.35% | - |
| Loan-to-Share Ratio | 94.02% | +21.82 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Desert Rivers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $112.9M | - |
| 2025Q4 | $116.6M | 8,389 |
| 2024Q4 | $112.2M | 7,963 |
| 2023Q4 | $97.2M | 7,396 |
Credit Union Details
- Charter Number
- 24918
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Utah
- City
- Moab
- Data Quarter
- 2025Q4
Branch Locations (4)
Desert Rivers operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Moab, UT |
| Blanding Branch | Blanding, UT |
| Green River Branch | Green River, UT |
| Monticello Branch | Monticello, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
Other-state peers near Desert Rivers
Similar total assets
Similar health score
Using this data
- Desert Rivers ranks #1,868 of 4,374 nationally on financial health and #28 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pacific Horizon is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pacific Horizon
Frequently Asked Questions
Is Desert Rivers financially healthy?
On its 2025Q4 NCUA 5300 filing, Desert Rivers scores 86/100 (Excellent), with a 8.47% net worth ratio and 1.48% of loans delinquent. It ranks #1,868 of 4,374 nationally on health and #28 of 53 in Utah.
How does Desert Rivers compare to other credit unions?
Desert Rivers scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (94.02% vs 72.20%). Its widest shortfall is net worth ratio (8.47% vs 12.11%).
How can I join Desert Rivers?
Desert Rivers serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Desert Rivers directly for the current list of qualifying groups.
Is my money safe at Desert Rivers?
Desert Rivers is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Desert Rivers's net worth ratio of 8.47% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.