BlastPoint's Credit Union Scorecard
VALLEY WIDE
Charter #14657 · UT
2596 CUs in <100M nationally
30 in UT
VALLEY WIDE has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.55% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.2% YoY
- - Total Deposits: Bottom 3.0% in tier
- - Total Members: Bottom 3.1% in tier
- - Total Assets: Bottom 3.2% in tier
- - Total Loans: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - Members Per Employee (MPE): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
152
-6.2% YoY-1.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
Bottom 3.0% in tier |
| Assets |
$477,722
-2.0% YoY-1.6% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.1% in tier |
| Loans |
$172,062
-12.9% YoY-10.3% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.1% in tier |
| Deposits |
$340,207
-4.2% YoY-2.7% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.0% in tier |
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| ROA |
1.1%
-21.9% YoY-16.5% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
4.5%
-5.2% YoY-3.2% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
77.6%
+7.2% YoY+4.7% QoQ
|
-3.8% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
50.6%
-9.1% YoY-7.8% QoQ
|
-10.7% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$3,370
-1.2% YoY-3.6% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
190
Net Worth Ratio
risk
Value:
28.18%
Peer Avg: -
#190 of 2596
Top 7.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (11 metrics)
2519
Total Deposits
balance_sheet
Value:
$340,207
Peer Avg: -
#2519 of 2596
Bottom 3.0% in <100M tier
2517
Total Members
engagement
Value:
152
Peer Avg: -
#2517 of 2596
Bottom 3.1% in <100M tier
2515
Total Assets
balance_sheet
Value:
$477,722
Peer Avg: -
#2515 of 2596
Bottom 3.2% in <100M tier
2490
Total Loans
balance_sheet
Value:
$172,062
Peer Avg: -
#2490 of 2596
Bottom 4.1% in <100M tier
2461
Average Member Relationship (AMR)
engagement
Value:
$3,370
Peer Avg: -
#2461 of 2596
Bottom 5.2% in <100M tier
2426
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,132
Peer Avg: -
#2426 of 2596
Bottom 6.6% in <100M tier
2341
Members Per Employee (MPE)
engagement
Value:
152.000
Peer Avg: -
#2341 of 2596
Bottom 9.9% in <100M tier
2283
Member Growth Rate
growth
Value:
-6.17%
Peer Avg: -
#2283 of 2596
Bottom 12.1% in <100M tier
2215
Loan Growth Rate
growth
Value:
-12.87%
Peer Avg: -
#2215 of 2596
Bottom 14.7% in <100M tier
2115
Fee Income Per Member
profitability
Value:
$9.68
Peer Avg: -
#2115 of 2596
Bottom 18.6% in <100M tier