BlastPoint's Credit Union Scorecard
VALLEY
Charter #64169 · OR
VALLEY has 3 strengths but faces 18 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.5% in tier
- - Shrinking Wallet Share: Bottom 10.0% in tier
- - Accelerating Exit Risk: Bottom 11.8% in tier
- - Stagnation Risk: Bottom 12.0% in tier
- - Wealth Migration Risk: Bottom 24.5% in tier
- - Membership Headwinds: Bottom 29.0% in tier
- - Institutional Decline: Bottom 30.6% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Delinquency rate 3.17% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - Total Members: Bottom 5.8% in tier
- - AMR Growth Rate: Bottom 7.1% in tier
- - Total Deposits: Bottom 7.2% in tier
- - Net Charge-Off Rate: Bottom 7.4% in tier
- - Total Assets: Bottom 8.1% in tier
- - Share Certificate Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,094
-1.0% YoY+0.1% QoQ
|
-9.5K |
15,628
-3.4% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
Bottom 5.8% in tier |
| Assets |
$111.5M
-4.6% YoY+0.9% QoQ
|
$-119.8M |
$231.3M
-0.0% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.0% in tier |
| Loans |
$81.1M
-4.3% YoY-2.7% QoQ
|
$-66.7M |
$147.8M
-1.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$95.9M
-4.3% YoY-0.1% QoQ
|
$-104.4M |
$200.3M
-0.0% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.1% in tier |
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| ROA |
1.0%
+102.4% YoY+70.2% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
4.3%
+12.9% YoY+3.8% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
85% |
| Efficiency Ratio |
63.2%
-13.5% YoY-4.1% QoQ
|
-14.0% |
77.3%
-3.0% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
4.0%
+70.1% YoY-6.6% QoQ
|
+3.2 |
0.9%
+7.6% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
Top 0.6% in tier |
| Loan To Share |
84.6%
+0.0% YoY-2.6% QoQ
|
+11.9% |
72.7%
-1.5% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$29,032
-3.4% YoY-1.4% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
39.4%
-2.6% YoY+2.2% QoQ
|
+15.0% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (8)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)