BlastPoint's Credit Union Scorecard
VALLEY FIRST
Charter #24986 · CA
VALLEY FIRST has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 39.6% in tier
- - ROA 0.25% below tier average
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.1% in tier
- - AMR Growth Rate: Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 9.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,982
+0.5% QoQ
|
-15.9K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$1.1B
-0.0% QoQ
|
$-616.7M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.7% in tier |
| Loans |
$830.8M
+3.5% QoQ
|
$-403.4M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$925.8M
-0.1% QoQ
|
$-537.6M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.0% in tier |
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| ROA |
0.6%
-9.5% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.8%
-0.1% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
67.5%
+2.3% QoQ
|
-5.5% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.7%
+4.1% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
89.7%
+3.5% QoQ
|
+5.0% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$21,691
+1.1% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.0% in tier |
| CD Concentration |
26.2%
+5.7% QoQ
|
-2.9% | 29.1% | 22.2% | 20.0% | 39% |
| Indirect Auto % |
31.3%
-5.2% QoQ
|
+13.2% | 18.1% | 9.2% | 7.7% | 80% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)