BlastPoint's Credit Union Scorecard
VALLEY EDUCATORS
Charter #63468 · CO
VALLEY EDUCATORS has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Interest Margin 2.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.59% above tier (higher cost structure)
- - Delinquency rate 2.98% above tier average
- - Deposit Growth Rate: Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,008
-1.5% YoY-0.8% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$6.0M
-9.7% YoY+0.8% QoQ
|
$-24.1M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$4.6M
+1.4% YoY+2.3% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$4.7M
-13.3% YoY+0.7% QoQ
|
$-21.0M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.2%
+15.1% YoY+5.5% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
6.4%
-2.7% YoY+2.8% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
83.1%
+12.1% YoY-0.6% QoQ
|
+0.6% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
4.5%
-10.0% YoY-9.4% QoQ
|
+3.0 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 7.2% in tier |
| Loan To Share |
99.4%
+17.1% YoY+1.6% QoQ
|
+38.8% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Top 4.4% in tier |
| AMR |
$9,234
-5.2% YoY+2.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
9.6%
+44.2% YoY+45.1% QoQ
|
-14.8% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)