BlastPoint's Credit Union Scorecard
VALLEY WIDE
Charter #14657 · UT
2556 CUs in <100M nationally
29 in UT
VALLEY WIDE has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.44% 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 7.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.4% YoY
- - Loan Growth Rate: Bottom 2.3% in tier
- - Total Deposits: Bottom 2.7% in tier
- - Total Assets: Bottom 2.9% in tier
- - Total Members: Bottom 3.0% in tier
- - Total Loans: Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
153
-4.4% YoY+0.7% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Bottom 3.0% in tier |
| Assets |
$474,006
-0.4% YoY-0.8% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.9% in tier |
| Loans |
$143,699
-30.1% YoY-16.5% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.4% in tier |
| Deposits |
$335,525
-2.0% YoY-1.4% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.7% in tier |
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| ROA |
1.0%
+299.6% YoY-7.1% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
4.4%
-5.8% YoY-2.0% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
78.9%
-16.9% YoY+1.6% QoQ
|
-3.7% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
42.8%
-28.7% YoY-15.3% QoQ
|
-17.8% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$3,132
-8.6% YoY-7.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
183
Net Worth Ratio
risk
Value:
28.58%
Peer Median: -
#183 of 2556
Top 7.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (12 metrics)
2498
Loan Growth Rate
growth
Value:
-30.14%
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2488
Total Deposits
balance_sheet
Value:
$335,525
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2482
Total Assets
balance_sheet
Value:
$474,006
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2480
Total Members
engagement
Value:
153
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2469
Total Loans
balance_sheet
Value:
$143,699
Peer Median: -
#2469 of 2556
Bottom 3.4% in <100M tier
2436
Average Member Relationship (AMR)
engagement
Value:
$3,132
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier
2417
Loan-to-Member Ratio (LMR)
engagement
Value:
$939.21
Peer Median: -
#2417 of 2556
Bottom 5.5% in <100M tier
2347
AMR Growth Rate
growth
Value:
-8.57%
Peer Median: -
#2347 of 2556
Bottom 8.2% in <100M tier
2300
Members Per Employee (MPE)
engagement
Value:
153.000
Peer Median: -
#2300 of 2556
Bottom 10.1% in <100M tier
2098
Fee Income Per Member
profitability
Value:
$10.01
Peer Median: -
#2098 of 2556
Bottom 18.0% in <100M tier