BlastPoint's Credit Union Scorecard

VALLEY

Charter #60930 · AL

1069 CUs in 100M-500M nationally 19 in AL

VALLEY has 3 strengths but faces 9 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 51.3% in tier
+ Organic Growth Engine: Top 64.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 40.8% in tier
- ROA 0.27% below tier average
- Efficiency ratio 6.64% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 1.9% in tier
- Total Loans: Bottom 2.2% in tier
- Loan-to-Share Ratio: Bottom 4.1% in tier
- Total Members: Bottom 5.9% in tier
- Total Assets: Bottom 6.9% in tier
- Total Deposits: Bottom 6.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	6,032 +2.5% YoY+0.4% QoQ	-9.4K	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	Bottom 5.8% in tier
Assets	$110.4M +6.9% YoY+1.4% QoQ	$-121.5M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	Bottom 6.8% in tier
Loans	$37.7M +7.3% YoY+1.2% QoQ	$-109.7M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	Bottom 2.2% in tier
Deposits	$95.7M +5.8% YoY+1.4% QoQ	$-105.1M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	Bottom 6.8% 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% +16.0% YoY-8.9% QoQ	-0.3%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	31%
NIM	2.8% +9.8% YoY-0.1% QoQ	-0.8%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	Bottom 12.3% in tier
Efficiency Ratio	83.7% +1.9% YoY+1.5% QoQ	+6.6%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	0.3% -6.2% YoY+49.3% QoQ	-0.6	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	18%
Loan To Share	39.3% +1.4% YoY-0.2% QoQ	-32.9%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	Bottom 4.0% in tier
AMR	$22,113 +3.7% YoY+1.0% QoQ	$-3K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	47%
CD Concentration	34.6% +10.8% YoY+4.0% QoQ	+10.1%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#219 of 426 • Top 51.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.46%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#381 of 595 • Top 64.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.46%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.49%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#220 of 538 • Bottom 40.8% in tier

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

Why This Signature

Efficiency Ratio: 83.65%

(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): 2.46%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -98 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

195

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: -

#195 of 1069 Top 18.1% in 100M-500M tier

237

Net Worth Ratio

risk

Value: 13.99%

Peer Median: -

#237 of 1069 Top 22.1% in 100M-500M tier

248

Member Growth Rate

growth

Value: 2.46%

Peer Median: -

#248 of 1069 Top 23.1% in 100M-500M tier

Top Weaknesses (10 metrics)

1050

Members Per Employee (MPE)

engagement

Value: 182.788

Peer Median: -

#1050 of 1069 Bottom 1.9% in 100M-500M tier

1046

Total Loans

balance_sheet

Value: $37.65M

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

1026

Loan-to-Share Ratio

balance_sheet

Value: 39.33%

Peer Median: -

#1026 of 1069 Bottom 4.1% in 100M-500M tier

1007

Total Members

engagement

Value: 6,032

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

996

Total Assets

balance_sheet

Value: $110.38M

Peer Median: -

#996 of 1069 Bottom 6.9% in 100M-500M tier

996

Total Deposits

balance_sheet

Value: $95.73M

Peer Median: -

#996 of 1069 Bottom 6.9% in 100M-500M tier

938

Net Interest Margin (NIM)

profitability

Value: 2.84%

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

908

Loan-to-Member Ratio (LMR)

engagement

Value: $6,242

Peer Median: -

#908 of 1069 Bottom 15.2% in 100M-500M tier

897

Share Certificate Concentration (%)

balance_sheet

Value: 34.57%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

862

First Mortgage Concentration (%)

balance_sheet

Value: 45.92%

Peer Median: -

#862 of 1069 Bottom 19.5% in 100M-500M tier