BlastPoint's Credit Union Scorecard
VALLEY AGRICULTURAL
Charter #17841 · CA
VALLEY AGRICULTURAL has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 3.98% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
- - Member decline: -2.8% YoY
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 85 that size in California.
- Shares and deposits -5.4% year over year ($4.1M in shares and deposits).
- Membership: 557 members, -2.8% vs a year ago.
- Delinquency rate 2.01%.
- Return on assets 0.21%.
- Efficiency ratio 92.75% vs a 88.77% peer average.
- Loan-to-share ratio 49.28% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
557
-2.8% YoY0% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$4.6M
-4.4% YoY-2.4% QoQ
|
$-25.6M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$2.0M
-11.1% YoY-2.9% QoQ
|
$-13.4M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$4.1M
-5.4% YoY-2.8% QoQ
|
$-21.7M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.2%
-44.9% YoY+105.1% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.2% in tier |
| NIM |
4.5%
-5.6% YoY+2.0% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
92.8%
+3.9% YoY-2.0% QoQ
|
+4.0% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
2.0%
+578.1% YoY-23.1% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
49.3%
-6.1% YoY-0.1% QoQ
|
-9.6% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$10,990
-4.7% YoY-2.8% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
36.9%
-3.5% YoY-10.9% QoQ
|
+12.3% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 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)