VALLEY ISLE COMMUNITY
Charter #3574 | HI
100M-500M
(1077 CUs)
Micro
($0-$500M)
14 100M-500M in HI
VALLEY ISLE COMMUNITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.8% in tier
- + Relationship Depth Leader: Top 20.7% in tier
- + Emerging Performer: Top 25.3% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 11.3% in tier
- - Credit Quality Pressure: Bottom 13.3% in tier
- - Membership Headwinds: Bottom 21.1% in tier
- - Stagnation Risk: Bottom 25.1% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 0.10% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,051
-1.8% YoY+0.1% QoQ
|
-2.6K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
47th in tier |
| Assets |
$170.5M
+9.2% YoY+3.2% QoQ
|
$-60.8M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$60.8M
+6.7% YoY+2.7% QoQ
|
$-87.0M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.2% in tier |
| Deposits |
$157.5M
+8.3% YoY+3.3% QoQ
|
$-42.8M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
44th in tier |
| ROA |
0.7%
-16.9% YoY-3.3% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
46th in tier |
| NIM |
3.0%
-7.9% YoY-2.0% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 18.9% in tier |
| Efficiency Ratio |
77.4%
-1.6% YoY-0.8% QoQ
|
+0.1% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
50th in tier |
| Delinquency Rate |
0.4%
+148.6% YoY-43.8% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 24.9% in tier |
| Loan To Share |
38.6%
-1.5% YoY-0.5% QoQ
|
-34.1% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.8% in tier |
| AMR |
$16,726
+9.8% YoY+3.0% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 17.0% in tier |
| CD Concentration |
34.3%
+21.3% YoY+3.4% QoQ
|
+9.8% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
14.4%
-1.4% YoY-1.8% QoQ
|
+0.4% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#134 of 1006 • Top 4.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
9.79%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#572 of 1006 • Top 20.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
9.79%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.5K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Emerging Performer
growth
#475 of 627 • Top 25.3% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.70%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.78%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (4)
Growth-at-Risk
risk
#170 of 446 • Bottom 11.3% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
6.67%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.23% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#330 of 736 • Bottom 13.3% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.23% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Membership Headwinds
decline
#348 of 550 • Bottom 21.1% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.78%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Stagnation Risk
risk
#414 of 550 • Bottom 25.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.70%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.78%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$16.7K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
34.25%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
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)
Top Strengths (5 metrics)
50
Members Per Employee (MPE)
engagement
Value:
522.040
Peer Avg: 332.881
#50 of 1077
Top 4.5% in 100M-500M tier
107
AMR Growth Rate
growth
Value:
9.79%
Peer Avg: 3.64%
#107 of 1077
Top 9.8% in 100M-500M tier
153
Asset Growth Rate
growth
Value:
9.24%
Peer Avg: 4.70%
#153 of 1077
Top 14.1% in 100M-500M tier
203
Deposit Growth Rate
growth
Value:
8.29%
Peer Avg: 4.69%
#203 of 1077
Top 18.8% in 100M-500M tier
269
Total Delinquency Rate (60+ days)
risk
Value:
0.38%
Peer Avg: 0.86%
#269 of 1077
Top 24.9% in 100M-500M tier
Top Weaknesses (8 metrics)
1036
Loan-to-Share Ratio
balance_sheet
Value:
38.60%
Peer Avg: 72.70%
#1036 of 1077
Bottom 3.9% in 100M-500M tier
1028
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,658
Peer Avg: $10,245
#1028 of 1077
Bottom 4.6% in 100M-500M tier
967
Total Loans
balance_sheet
Value:
$60.79M
Peer Avg: $147.80M
#967 of 1077
Bottom 10.3% in 100M-500M tier
914
Net Worth Ratio
risk
Value:
9.17%
Peer Avg: 12.15%
#914 of 1077
Bottom 15.2% in 100M-500M tier
895
Share Certificate Concentration (%)
balance_sheet
Value:
34.25%
Peer Avg: 23.61%
#895 of 1077
Bottom 17.0% in 100M-500M tier
894
Average Member Relationship (AMR)
engagement
Value:
$16,726
Peer Avg: $24,363
#894 of 1077
Bottom 17.1% in 100M-500M tier
873
Net Interest Margin (NIM)
profitability
Value:
2.98%
Peer Avg: 3.58%
#873 of 1077
Bottom 19.0% in 100M-500M tier
836
Net Charge-Off Rate
risk
Value:
0.65%
Peer Avg: 0.47%
#836 of 1077
Bottom 22.5% in 100M-500M tier