BlastPoint's Credit Union Scorecard
VALLEY AGRICULTURAL
Charter #17841 · CA
VALLEY AGRICULTURAL has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency ratio 5.20% above tier (higher cost structure)
- - Member decline: -5.6% YoY
- - Loan Growth Rate: Bottom 6.6% in tier
- - Share Certificate Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
569
-5.6% YoY-0.7% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$4.9M
-6.1% YoY+0.4% QoQ
|
$-25.0M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$2.3M
-19.5% YoY+2.5% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$4.3M
-7.2% YoY+0.3% QoQ
|
$-21.1M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
0.4%
-19.8% YoY+5.4% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
4.7%
-3.1% YoY-1.7% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
86.6%
+5.2% YoY-3.0% QoQ
|
+5.2% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.4%
+26.2% YoY+20.1% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
53.6%
-13.2% YoY+2.1% QoQ
|
-7.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$11,732
-6.6% YoY+1.8% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
40.6%
+17.3% YoY+6.3% QoQ
|
+16.2% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)