BlastPoint's Credit Union Scorecard
VALLEY EDUCATORS
Charter #63468 · CO
VALLEY EDUCATORS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.46% above tier average
- + Loan-to-Share Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.35% below tier average
- - Delinquency rate 0.88% above tier average
- - Net Charge-Off Rate: Bottom 6.5% 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 25 that size in Colorado.
- Shares and deposits +1.6% year over year ($4.8M in shares and deposits).
- Membership: 1,004 members, -1.9% vs a year ago.
- Delinquency rate 2.42%.
- Return on assets 0.14%.
- Efficiency ratio 83.23% vs a 88.77% peer average.
- Loan-to-share ratio 92.47% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,004
-1.9% YoY-0.5% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$6.1M
+1.8% YoY-3.3% QoQ
|
$-24.1M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$4.4M
-1.8% YoY-4.0% QoQ
|
$-11.0M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$4.8M
+1.6% YoY-4.4% QoQ
|
$-21.0M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.1%
-87.7% YoY-110.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.9% in tier |
| NIM |
6.4%
-1.3% YoY+2.0% QoQ
|
+2.5% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 2.1% in tier |
| Efficiency Ratio |
83.2%
-0.0% YoY-0.1% QoQ
|
-5.5% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
2.4%
-7.8% YoY-12.3% QoQ
|
+0.9 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
92.5%
-3.4% YoY+0.4% QoQ
|
+33.6% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 6.9% in tier |
| AMR |
$9,187
+1.8% YoY-3.8% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
9.0%
+22.2% YoY-3.6% QoQ
|
-15.6% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.3% | 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)