VALLEY EDUCATORS
Charter #63468 | CO
<100M
(2596 CUs)
Micro
($0-$500M)
29 <100M in CO
VALLEY EDUCATORS has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 2.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Deposit Growth Rate: Top 7.0% in tier
- + Asset Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.22% above tier (higher cost structure)
- - Delinquency rate 3.49% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,016
-0.7% YoY-0.7% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
29th in tier |
| Assets |
$6.0M
+10.1% YoY-1.0% QoQ
|
$-23.9M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 22.7% in tier |
| Loans |
$4.5M
+1.0% YoY+0.5% QoQ
|
$-11.2M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$4.6M
+11.2% YoY-1.7% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.0% in tier |
| ROA |
1.1%
+35.1% YoY-4.0% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
6.3%
-12.6% YoY-2.6% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
83.6%
+13.6% YoY+0.4% QoQ
|
+2.2% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
63rd in tier |
| Delinquency Rate |
5.0%
-0.9% YoY+90.3% QoQ
|
+3.5 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Top 6.1% in tier |
| Loan To Share |
97.8%
-9.2% YoY+2.2% QoQ
|
+36.6% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Top 5.5% in tier |
| AMR |
$9,029
+6.6% YoY+0.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 24.2% in tier |
| CD Concentration |
6.6%
-22.9% YoY-9.9% QoQ
|
-17.8% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
80
Net Interest Margin (NIM)
profitability
Value:
6.27%
Peer Avg: 3.93%
#80 of 2596
Top 3.0% in <100M tier
138
Loan-to-Share Ratio
balance_sheet
Value:
97.81%
Peer Avg: 61.23%
#138 of 2596
Top 5.3% in <100M tier
184
Deposit Growth Rate
growth
Value:
11.22%
Peer Avg: 16.80%
#184 of 2596
Top 7.0% in <100M tier
216
Asset Growth Rate
growth
Value:
10.11%
Peer Avg: 1.82%
#216 of 2596
Top 8.3% in <100M tier
411
Net Worth Ratio
risk
Value:
22.31%
Peer Avg: 16.43%
#411 of 2596
Top 15.8% in <100M tier
487
AMR Growth Rate
growth
Value:
6.64%
Peer Avg: 4.67%
#487 of 2596
Top 18.7% in <100M tier
Top Weaknesses (4 metrics)
2438
Total Delinquency Rate (60+ days)
risk
Value:
5.00%
Peer Avg: 1.51%
#2438 of 2596
Bottom 6.1% in <100M tier
2025
Total Deposits
balance_sheet
Value:
$4.64M
Peer Avg: $25.45M
#2025 of 2596
Bottom 22.0% in <100M tier
2006
Total Assets
balance_sheet
Value:
$5.98M
Peer Avg: $29.86M
#2006 of 2596
Bottom 22.8% in <100M tier
1969
Average Member Relationship (AMR)
engagement
Value:
$9,029
Peer Avg: $14,627
#1969 of 2596
Bottom 24.2% in <100M tier