BlastPoint's Credit Union Scorecard
VALLEY OAK
Charter #64122 · CA
VALLEY OAK has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 4.3% in tier
- + Total Loans: Top 4.6% in tier
- + Total Assets: Top 6.7% in tier
- + Total Members: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 6.25% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.6% in tier
- - Indirect Auto Concentration (%): Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,932
-0.7% YoY+0.0% QoQ
|
+3.3K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 9.3% in tier |
| Assets |
$82.7M
+5.8% YoY+1.2% QoQ
|
+$52.6M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 6.7% in tier |
| Loans |
$51.9M
-2.5% YoY+1.2% QoQ
|
+$36.1M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 4.6% in tier |
| Deposits |
$76.9M
+6.0% YoY+1.4% QoQ
|
+$51.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 4.4% in tier |
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| ROA |
0.2%
-190.7% YoY-2.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.5%
+13.2% YoY+1.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
88.8%
-7.2% YoY-0.6% QoQ
|
+6.3% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.6%
-9.7% YoY-2.4% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
67.5%
-8.0% YoY-0.2% QoQ
|
+6.9% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$21,704
+3.2% YoY+1.3% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
24.6%
-0.7% YoY+3.9% QoQ
|
+0.2% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
18.2%
-30.5% YoY-11.4% QoQ
|
+4.4% | 13.8% | 9.2% | 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)