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 0.74% 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 0.17% below tier average
- - Efficiency ratio 2.90% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Loan Growth Rate: Bottom 4.7% in tier
- - Share Certificate Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
556
-6.4% YoY-2.3% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$4.8M
-2.5% YoY-1.0% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$2.2M
-21.8% YoY-6.1% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$4.3M
-3.2% YoY-1.4% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.4%
-13.1% YoY+12.3% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
4.7%
-5.2% YoY-0.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
85.5%
+6.3% YoY-1.3% QoQ
|
+2.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.1%
-89.3% YoY-71.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
51.0%
-19.3% YoY-4.8% QoQ
|
-9.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$11,641
-4.3% YoY-0.8% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
41.4%
+47.3% YoY+1.9% QoQ
|
+16.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)