BlastPoint's Credit Union Scorecard

VALLEY

Charter #60930 · AL

100M-500M
1070 CUs in 100M-500M nationally 21 in AL

VALLEY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?
AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 4.82% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 1.8% in tier
  • - Total Loans: Bottom 2.3% in tier
  • - Loan-to-Share Ratio: Bottom 4.1% in tier
  • - Total Members: Bottom 6.7% in tier
  • - Total Assets: Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 6,075
+2.8% YoY+0.7% QoQ
 -9.1K 15,145
-2.5% YoY
 28,055
-6.4% YoY
 33,913
+5.7% YoY
 Bottom 6.6% in tier
Assets $111.3M
+6.2% YoY+0.9% QoQ
 $-120.4M $231.7M
+0.8% YoY
 $451.2M
+7.2% YoY
 $578.3M
+9.0% YoY
 Bottom 8.0% in tier
Loans $37.9M
+8.0% YoY+0.7% QoQ
 $-106.2M $144.1M
+0.2% YoY
 $260.3M
+6.6% YoY
 $402.4M
+8.7% YoY
 Bottom 2.2% in tier
Deposits $96.8M
+6.0% YoY+1.1% QoQ
 $-104.4M $201.1M
+0.4% YoY
 $395.2M
+6.0% YoY
 $494.3M
+9.1% YoY
 Bottom 8.3% in tier

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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%
-14.8% YoY-6.9% QoQ
 -0.3% 0.7%
+5.1% YoY
 0.6%
-14.6% YoY
 0.4%
-39.2% YoY
 33%
NIM 3.0%
+9.1% YoY+4.5% QoQ
 -0.7% 3.6%
+4.6% YoY
 3.7%
+0.6% YoY
 3.8%
+4.1% YoY
 Bottom 14.8% in tier
Efficiency Ratio 82.8%
+1.8% YoY-1.0% QoQ
 +4.8% 78.0%
-1.7% YoY
 80.4%
-0.1% YoY
 84.6%
+2.8% YoY
 65%
Delinquency Rate 0.3%
-20.9% YoY-16.5% QoQ
 -0.5 0.8%
+7.1% YoY
 1.6%
+17.5% YoY
 1.2%
+3.4% YoY
 20%
Loan To Share 39.2%
+1.9% YoY-0.4% QoQ
 -31.2% 70.4%
-0.4% YoY
 59.2%
-1.1% YoY
 65.6%
-1.4% YoY
 Bottom 4.0% in tier
AMR $22,170
+3.7% YoY+0.3% QoQ
 $-3K $24,918
+2.7% YoY
 $17,504
+3.5% YoY
 $19,920
+1.6% YoY
 45%
CD Concentration 33.9%
+7.4% YoY-1.8% QoQ
 +9.7% 24.3% 21.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.1% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#175 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.76%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#223 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.76%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.46%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk
#340 of 596 • Bottom 50.0% in tier

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

Why This Signature
Efficiency Ratio: 82.84%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.08% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 2.76%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

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)

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
213
Total Delinquency Rate (60+ days)
risk
Value: 0.27%
Peer Median: 0.61%
#213 of 1070 Top 19.8% in 100M-500M tier
222
Net Worth Ratio
risk
Value: 13.99%
Peer Median: 11.45%
#222 of 1070 Top 20.7% in 100M-500M tier
235
Member Growth Rate
growth
Value: 2.76%
Peer Median: -0.06%
#235 of 1070 Top 21.9% in 100M-500M tier
256
Loan Growth Rate
growth
Value: 8.03%
Peer Median: 2.93%
#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (11 metrics)

1052
Members Per Employee (MPE)
engagement
Value: 178.676
Peer Median: 309.176
#1052 of 1070 Bottom 1.8% in 100M-500M tier
1046
Total Loans
balance_sheet
Value: $37.91M
Peer Median: $121.41M
#1046 of 1070 Bottom 2.3% in 100M-500M tier
1027
Loan-to-Share Ratio
balance_sheet
Value: 39.17%
Peer Median: 71.88%
#1027 of 1070 Bottom 4.1% in 100M-500M tier
999
Total Members
engagement
Value: 6,075
Peer Median: 13,200
#999 of 1070 Bottom 6.7% in 100M-500M tier
984
Total Assets
balance_sheet
Value: $111.34M
Peer Median: $196.57M
#984 of 1070 Bottom 8.1% in 100M-500M tier
981
Total Deposits
balance_sheet
Value: $96.78M
Peer Median: $171.29M
#981 of 1070 Bottom 8.4% in 100M-500M tier
912
Net Interest Margin (NIM)
profitability
Value: 2.97%
Peer Median: 3.62%
#912 of 1070 Bottom 14.9% in 100M-500M tier
901
Loan-to-Member Ratio (LMR)
engagement
Value: $6,240
Peer Median: $9,356
#901 of 1070 Bottom 15.9% in 100M-500M tier
884
Share Certificate Concentration (%)
balance_sheet
Value: 33.95%
Peer Median: 23.10%
#884 of 1070 Bottom 17.5% in 100M-500M tier
867
First Mortgage Concentration (%)
balance_sheet
Value: 46.10%
Peer Median: 29.47%
#867 of 1070 Bottom 19.1% in 100M-500M tier
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