BlastPoint's Credit Union Scorecard
VALLEY WIDE
Charter #14657 · UT
<100M
2508 CUs in <100M nationally
29 in UT
VALLEY WIDE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
- - Total Deposits: Bottom 2.4% in tier
- - Total Assets: Bottom 2.8% in tier
- - Total Members: Bottom 3.0% in tier
- - Total Loans: Bottom 3.4% in tier
- - Loan Growth Rate: Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151
-3.2% YoY-1.3% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Bottom 2.9% in tier |
| Assets |
$447,589
-5.4% YoY-5.6% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.7% in tier |
| Loans |
$138,939
-26.3% YoY-3.3% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.3% in tier |
| Deposits |
$309,715
-8.8% YoY-7.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-41.0% YoY-53.2% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
4.0%
-14.0% YoY-8.1% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
89.3%
+7.3% YoY+13.2% QoQ
|
-1.3% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
44.9%
-19.2% YoY+4.7% QoQ
|
-13.6% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$2,971
-12.2% YoY-5.1% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
138
Net Worth Ratio
risk
Value:
30.39%
Peer Median: 14.28%
#138 of 2508
Top 5.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2450
Total Deposits
balance_sheet
Value:
$309,715
Peer Median: $18.77M
#2450 of 2508
Bottom 2.4% in <100M tier
2440
Total Assets
balance_sheet
Value:
$447,589
Peer Median: $21.86M
#2440 of 2508
Bottom 2.8% in <100M tier
2433
Total Members
engagement
Value:
151
Peer Median: 1,918
#2433 of 2508
Bottom 3.0% in <100M tier
2424
Total Loans
balance_sheet
Value:
$138,939
Peer Median: $9.48M
#2424 of 2508
Bottom 3.4% in <100M tier
2421
Loan Growth Rate
growth
Value:
-26.27%
Peer Median: -2.36%
#2421 of 2508
Bottom 3.5% in <100M tier
2398
Average Member Relationship (AMR)
engagement
Value:
$2,971
Peer Median: $13,926
#2398 of 2508
Bottom 4.4% in <100M tier
2383
AMR Growth Rate
growth
Value:
-12.20%
Peer Median: 1.27%
#2383 of 2508
Bottom 5.0% in <100M tier
2372
Loan-to-Member Ratio (LMR)
engagement
Value:
$920.13
Peer Median: $4,923
#2372 of 2508
Bottom 5.5% in <100M tier
2305
Deposit Growth Rate
growth
Value:
-8.77%
Peer Median: 0.66%
#2305 of 2508
Bottom 8.1% in <100M tier
2261
Members Per Employee (MPE)
engagement
Value:
151.000
Peer Median: 333.750
#2261 of 2508
Bottom 9.9% in <100M tier