BlastPoint's Credit Union Scorecard
VALLEY
Charter #64169 · OR
VALLEY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.51% below tier average
- - Delinquency rate 4.34% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 6.2% in tier
- - Total Members: Bottom 7.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
- Shares and deposits +7.5% year over year ($103M in shares and deposits).
- Membership: 6,114 members, +0.4% vs a year ago.
- Delinquency rate 5.22%.
- Return on assets 0.36%.
- Efficiency ratio 70.38% vs a 76.73% peer average.
- Loan-to-share ratio 75.56% vs a 71.54% 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 (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,114
+0.4% YoY0% QoQ
|
-9.1K |
15,168
-2.6% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Bottom 7.0% in tier |
| Assets |
$118.6M
+7.4% YoY+1.4% QoQ
|
$-113.4M |
$232.0M
+0.7% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.9% in tier |
| Loans |
$77.9M
-6.5% YoY+2.4% QoQ
|
$-68.4M |
$146.3M
+0.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$103.1M
+7.5% YoY+1.7% QoQ
|
$-97.6M |
$200.7M
+0.2% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.4%
-41.8% YoY-46.5% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
4.0%
-3.7% YoY+5.1% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
70.4%
+6.8% YoY+3.6% QoQ
|
-6.4% |
76.7%
-0.8% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
5.2%
+21.0% YoY+18.1% QoQ
|
+4.3 |
0.9%
+6.6% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.4% in tier |
| Loan To Share |
75.6%
-13.0% YoY+0.7% QoQ
|
+4.0% |
71.5%
-0.3% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$29,608
+0.5% YoY+2.0% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
37.6%
-2.6% YoY-5.8% QoQ
|
+13.0% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)