BlastPoint's Credit Union Scorecard
VALLEY EDUCATORS
Charter #63468 · CO
VALLEY EDUCATORS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.22% above tier average
- + Loan-to-Share Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.54% below tier average
- - Delinquency rate 1.26% above tier average
- - Member decline: -2.1% YoY
- - Net Charge-Off Rate: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,009
-2.1% YoY+0.1% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$6.4M
+6.6% YoY+5.4% QoQ
|
$-23.8M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$4.6M
+4.2% YoY-0.5% QoQ
|
$-10.7M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$5.0M
+7.6% YoY+7.4% QoQ
|
$-20.8M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
-1.4%
-341.2% YoY-218.4% QoQ
|
-1.5% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.6% in tier |
| NIM |
6.2%
+8.2% YoY-3.3% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
83.3%
-8.2% YoY+0.2% QoQ
|
-7.3% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
2.8%
-20.0% YoY-39.0% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
92.1%
-3.1% YoY-7.4% QoQ
|
+33.6% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 6.7% in tier |
| AMR |
$9,546
+8.2% YoY+3.4% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
9.3%
+20.7% YoY-3.1% QoQ
|
-15.0% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.4% | 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)