Federal credit union · Moab, Utah · NCUA charter #24918
Desert Rivers
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $116.6M
- Total assets
- 8,389
- Members
- 6.2%
- Net-worth ratio
Desert Rivers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24918, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Desert Rivers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)54
- Asset quality (delinquency)66
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)88
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.16% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.16% | 30% |
| Delinquency Rate | 1.48% | 25% |
| Return on Assets | 0.93% | 15% |
| Member Growth | 5.35% | 15% |
| Loan-to-Share Ratio | 94.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Desert Rivers
Headquartered in Moab, Utah, Desert Rivers is a federal credit union with 8,389 members, $116.6M in total assets, and $96.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 76/100 (Very Good), driven in part by a net worth ratio of 6.16% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24918 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.48% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 94.02% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.93% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.35%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Desert Rivers financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Desert Rivers's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.16% net worth ratio and 1.48% delinquency rate are the key drivers.
How does Desert Rivers compare to other credit unions?
76/100 is Desert Rivers's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Desert Rivers are 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 6.16% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Desert Rivers offer compared to banks?
Credit unions like Desert Rivers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Desert Rivers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.