BlastPoint's Credit Union Scorecard
VALLEY AGRICULTURAL
Charter #17841 · CA
VALLEY AGRICULTURAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + Members Per Employee (MPE): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.98% above tier (higher cost structure)
- - Delinquency rate 1.11% above tier average
- - Member decline: -3.8% YoY
- - Share Certificate Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
557
-3.8% YoY+0.2% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$4.8M
-3.0% YoY-1.4% QoQ
|
$-25.4M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$2.1M
-13.9% YoY-4.9% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$4.2M
-3.8% YoY-1.6% QoQ
|
$-21.6M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-78.5% YoY-77.3% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
4.4%
-9.8% YoY-5.4% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
94.6%
+7.8% YoY+10.7% QoQ
|
+4.0% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
2.6%
+2487.6% QoQ
|
+1.1 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
49.3%
-10.5% YoY-3.4% QoQ
|
-9.2% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$11,309
-3.7% YoY-2.9% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
41.4%
+26.6% YoY-0.0% QoQ
|
+17.1% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)