BlastPoint's Credit Union Scorecard
VALEX
Charter #6116 · LA
VALEX has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
- + Loan-to-Member Ratio (LMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 7.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -7.8% year over year ($37.5M in shares and deposits).
- Membership: 2,859 members, -1.1% vs a year ago.
- Delinquency rate 1.57%.
- Return on assets 1.50%.
- Efficiency ratio 58.65% vs a 88.77% peer average.
- Loan-to-share ratio 74.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,859
-1.1% YoY-0.1% QoQ
|
+273 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$41.0M
-6.6% YoY-1.7% QoQ
|
+$10.7M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$27.8M
-13.9% YoY-3.1% QoQ
|
+$12.3M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$37.5M
-7.8% YoY-1.1% QoQ
|
+$11.7M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
72% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
+536.3% YoY-19.3% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
4.6%
+16.9% YoY+0.3% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
58.6%
-24.9% YoY-0.6% QoQ
|
-30.1% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
1.6%
-1.4% YoY+8.3% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
74.0%
-6.6% YoY-2.1% QoQ
|
+15.1% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$22,847
-9.5% YoY-1.8% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 13.3% in tier |
| CD Concentration |
13.4%
-43.0% YoY-0.7% QoQ
|
-11.1% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)