BlastPoint's Credit Union Scorecard
VALLEY WIDE
Charter #14657 · UT
VALLEY WIDE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 9.60% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Deposit Growth Rate: Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 1.8% in tier
- - Total Deposits: Bottom 2.0% 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 29 that size in Utah.
- Shares and deposits -23.9% year over year ($266K in shares and deposits).
- Membership: 150 members, -3.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.07%.
- Efficiency ratio 98.36% vs a 88.77% peer average.
- Loan-to-share ratio 46.08% 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 (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
150
-3.2% YoY-0.7% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
Bottom 3.0% in tier |
| Assets |
$404,428
-16.7% YoY-9.6% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.3% in tier |
| Loans |
$122,714
-36.0% YoY-11.7% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.0% in tier |
| Deposits |
$266,302
-23.9% YoY-14.0% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.9% in tier |
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| ROA |
0.1%
-94.6% YoY-85.1% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.9% in tier |
| NIM |
3.9%
-15.6% YoY-3.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
98.4%
+32.8% YoY+10.2% QoQ
|
+9.6% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
46.1%
-16.0% YoY+2.7% QoQ
|
-12.8% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$2,593
-25.8% YoY-12.7% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.5% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.3% | 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)