BlastPoint's Credit Union Scorecard
VALEX
Charter #6116 · LA
VALEX has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Net Interest Margin 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.74% above tier average
- - Member decline: -3.0% YoY
- - Net Worth Ratio: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,899
-3.0% YoY-0.5% QoQ
|
+283 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$41.2M
-3.8% YoY-1.5% QoQ
|
+$11.1M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$29.3M
-14.3% YoY-4.8% QoQ
|
+$13.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$38.0M
-4.2% YoY-1.1% QoQ
|
+$12.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.2%
+3208.7% YoY-6.4% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
4.4%
+20.1% YoY-6.2% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
74.4%
-12.2% YoY+3.1% QoQ
|
-8.2% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
2.3%
+40.7% YoY+27.2% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
77.0%
-10.5% YoY-3.8% QoQ
|
+16.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$23,231
-6.0% YoY-2.2% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Top 11.5% in tier |
| CD Concentration |
14.2%
+2.8% YoY+1.7% QoQ
|
-10.2% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)