BlastPoint's Credit Union Scorecard

VALLEY ISLE COMMUNITY

Charter #3574 · HI

1069 CUs in 100M-500M nationally 14 in HI

VALLEY ISLE COMMUNITY has 2 strengths but faces 9 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 49.8% in tier
+ Members Per Employee (MPE): Top 4.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 34.5% in tier
- Credit Quality Pressure: Bottom 88.1% in tier
- Membership Headwinds: Bottom 93.8% in tier
- Stagnation Risk: Bottom 94.4% in tier
- Credit Risk Growth: Bottom 97.1% in tier
- ROA 0.29% below tier average
- Efficiency ratio 4.73% above tier (higher cost structure)
- Loan-to-Share Ratio: Bottom 3.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	12,847 -0.7% YoY-1.6% QoQ	-2.6K	15,437 -2.9% YoY	19,461 +2.6% YoY	33,374 +5.7% YoY	47%
Assets	$173.2M +10.5% YoY+1.6% QoQ	$-58.6M	$231.9M +1.3% YoY	$378.0M +8.3% YoY	$561.6M +9.7% YoY	41%
Loans	$60.8M +1.7% YoY+0.0% QoQ	$-86.5M	$147.3M -0.1% YoY	$192.6M +6.6% YoY	$397.0M +8.8% YoY	Bottom 10.6% in tier
Deposits	$160.3M +9.1% YoY+1.8% QoQ	$-40.5M	$200.8M +0.8% YoY	$334.4M +8.0% YoY	$477.3M +9.7% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -12.2% YoY-32.2% QoQ	-0.3%	0.8% +18.2% YoY	0.8% +46.9% YoY	0.7% +15.9% YoY	29%
NIM	3.0% -6.6% YoY-0.5% QoQ	-0.6%	3.6% +6.7% YoY	3.1% +6.7% YoY	3.8% +5.1% YoY	17%
Efficiency Ratio	81.8% -3.6% YoY+5.6% QoQ	+4.7%	77.0% -3.1% YoY	73.8% -6.9% YoY	79.7% -3.3% YoY	67%
Delinquency Rate	0.3% +14.0% YoY-17.0% QoQ	-0.6	0.9% +4.2% YoY	1.2% -2.0% YoY	1.3% -2.1% YoY	17%
Loan To Share	37.9% -6.8% YoY-1.7% QoQ	-34.3%	72.2% -1.1% YoY	54.4% -2.4% YoY	67.4% -1.7% YoY	Bottom 3.6% in tier
AMR	$17,208 +7.8% YoY+2.9% QoQ	$-7K	$24,676 +3.4% YoY	$23,250 +4.8% YoY	$19,687 +2.0% YoY	18%
CD Concentration	34.3% +10.8% YoY+0.1% QoQ	+9.8%	24.4%	24.1%	19.8%	50%
Indirect Auto %	14.3% -2.4% YoY-0.5% QoQ	+0.5%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#256 of 513 • Top 49.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.78%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#186 of 538 • Bottom 34.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.75%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#621 of 705 • Bottom 88.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#520 of 554 • Bottom 93.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#523 of 554 • Bottom 94.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#443 of 456 • Bottom 97.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 535.292

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

113

Asset Growth Rate

growth

Value: 10.54%

Peer Median: -

#113 of 1069 Top 10.5% in 100M-500M tier

160

Deposit Growth Rate

growth

Value: 9.11%

Peer Median: -

#160 of 1069 Top 14.9% in 100M-500M tier

182

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

202

AMR Growth Rate

growth

Value: 7.78%

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1030

Loan-to-Share Ratio

balance_sheet

Value: 37.93%

Peer Median: -

#1030 of 1069 Bottom 3.7% in 100M-500M tier

1022

Loan-to-Member Ratio (LMR)

engagement

Value: $4,732

Peer Median: -

#1022 of 1069 Bottom 4.5% in 100M-500M tier

956

Total Loans

balance_sheet

Value: $60.79M

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

932

Net Worth Ratio

risk

Value: 8.97%

Peer Median: -

#932 of 1069 Bottom 12.9% in 100M-500M tier

885

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: -

#885 of 1069 Bottom 17.3% in 100M-500M tier

885

Share Certificate Concentration (%)

balance_sheet

Value: 34.27%

Peer Median: -

#885 of 1069 Bottom 17.3% in 100M-500M tier

882

Average Member Relationship (AMR)

engagement

Value: $17,208

Peer Median: -

#882 of 1069 Bottom 17.6% in 100M-500M tier