BlastPoint's Credit Union Scorecard
GOLDEN VALLEY
Charter #11652 · CA
GOLDEN VALLEY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Member decline: -2.7% YoY
- - Net Charge-Off Rate: Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -2.4% year over year ($35.0M in shares and deposits).
- Membership: 3,281 members, -2.7% vs a year ago.
- Delinquency rate 1.38%.
- Return on assets 0.76%.
- Efficiency ratio 64.41% vs a 88.77% peer average.
- Loan-to-share ratio 62.34% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,281
-2.7% YoY-0.7% QoQ
|
+695 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$39.7M
-1.9% YoY+0.8% QoQ
|
+$9.4M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$21.8M
-7.0% YoY-2.2% QoQ
|
+$6.3M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$35.0M
-2.4% YoY+0.6% QoQ
|
+$9.1M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.8%
+19.6% YoY+41.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.3%
+6.1% YoY+0.2% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
64.4%
+0.8% YoY+1.9% QoQ
|
-24.4% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
1.4%
+140.5% YoY+175.5% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
62.3%
-4.6% YoY-2.8% QoQ
|
+3.4% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$17,293
-1.6% YoY+0.2% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
6.0%
+9.1% YoY-3.5% QoQ
|
-18.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 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)