BlastPoint's Credit Union Scorecard
GOLDEN VALLEY
Charter #11652 · CA
GOLDEN VALLEY has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,304
-0.4% YoY+0.2% QoQ
|
+627 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$39.4M
-3.3% YoY+1.4% QoQ
|
+$9.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$22.3M
-2.8% YoY-2.7% QoQ
|
+$7.0M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$34.7M
-3.9% YoY+1.5% QoQ
|
+$9.0M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.5%
-20.7% YoY+4.0% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
4.3%
+6.1% YoY+0.6% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
63.2%
+1.2% YoY-2.0% QoQ
|
-27.4% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.5%
-16.0% YoY-46.6% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
64.1%
+1.1% YoY-4.1% QoQ
|
+5.6% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$17,255
-3.1% YoY-0.4% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
6.2%
+21.4% YoY-3.1% QoQ
|
-18.1% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)