BlastPoint's Credit Union Scorecard
VALLEY PRIDE
Charter #23467 · PA
VALLEY PRIDE has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.30% above tier average
- - Member decline: -3.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
580
-3.8% YoY-4.4% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$6.3M
+1.5% YoY+1.2% QoQ
|
$-23.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$1.8M
-13.4% YoY-7.1% QoQ
|
$-13.5M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$5.2M
+0.4% YoY+1.2% QoQ
|
$-20.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
1.0%
+320.8% YoY-2.0% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
4.5%
+16.3% YoY+6.4% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
66.8%
-23.4% YoY-7.9% QoQ
|
-23.8% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
2.8%
-70.1% YoY-12.4% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
34.4%
-13.7% YoY-8.2% QoQ
|
-24.1% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$11,954
+0.3% YoY+3.5% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
9.3%
+8.8% YoY+5.3% QoQ
|
-14.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)