VALLEY
Charter #64169 | OR
100M-500M
(1077 CUs)
Micro
($0-$500M)
18 100M-500M in OR
VALLEY has 4 strengths but faces 19 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 17.3% in tier
- + 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
- - Deposit Outflow: Bottom 9.7% 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
- - Liquidity Overhang: Bottom 26.8% in tier
- - Membership Headwinds: Bottom 29.0% in tier
- - Institutional Decline: Bottom 30.6% 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
|
Bottom 22.7% in tier |
| 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 |
| 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
|
68th in tier |
| 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
|
Top 15.1% in tier |
| 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
|
73rd in tier |
| 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
|
Top 19.8% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#325 of 627 • Top 17.3% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.04%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.96%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Concerns (9)
Credit Quality Pressure
risk
#14 of 736 • Bottom 0.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
1.66% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Deposit Outflow
decline
#58 of 114 • Bottom 9.7% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-4.31%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$111.50M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#101 of 244 • Bottom 10.0% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-3.37%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Accelerating Exit Risk
decline
#32 of 58 • Bottom 11.8% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-0.96%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-3.37%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Stagnation Risk
risk
#199 of 550 • Bottom 12.0% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.04%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.96%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$29.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
39.39%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Wealth Migration Risk
decline
#28 of 28 • Bottom 24.5% in tier
High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Why This Signature
Avg Member Relationship:
$29.0K
(Tier: $25.0K, National: $19.4K)
AMR Growth (YoY):
-3.37%
(Tier:
3.68%, National:
4.19%)
Total Assets:
$111.50M
(Tier: $231.30M, National: $547.69M)
28 of 1077 Community CUs have this signature
| 39 nationally
↓ Shrinking
-32 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#415 of 552 • Bottom 26.8% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.46%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
84.55%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Membership Headwinds
decline
#478 of 550 • Bottom 29.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-0.96%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Institutional Decline
decline
#242 of 256 • Bottom 30.6% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$111.50M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-0.96%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-4.28%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
133
Efficiency Ratio
profitability
Value:
63.23%
Peer Avg: 77.28%
#133 of 1077
Top 12.3% in 100M-500M tier
163
Net Interest Margin (NIM)
profitability
Value:
4.26%
Peer Avg: 3.58%
#163 of 1077
Top 15.0% in 100M-500M tier
177
Loan-to-Member Ratio (LMR)
engagement
Value:
$13,301
Peer Avg: $10,245
#177 of 1077
Top 16.3% in 100M-500M tier
213
Average Member Relationship (AMR)
engagement
Value:
$29,032
Peer Avg: $24,363
#213 of 1077
Top 19.7% in 100M-500M tier
Top Weaknesses (11 metrics)
1071
Total Delinquency Rate (60+ days)
risk
Value:
4.03%
Peer Avg: 0.86%
#1071 of 1077
Bottom 0.6% in 100M-500M tier
1036
Deposit Growth Rate
growth
Value:
-4.31%
Peer Avg: 4.69%
#1036 of 1077
Bottom 3.9% in 100M-500M tier
1034
Asset Growth Rate
growth
Value:
-4.63%
Peer Avg: 4.70%
#1034 of 1077
Bottom 4.1% in 100M-500M tier
1015
Total Members
engagement
Value:
6,094
Peer Avg: 15,628
#1015 of 1077
Bottom 5.8% in 100M-500M tier
1002
AMR Growth Rate
growth
Value:
-3.37%
Peer Avg: 3.64%
#1002 of 1077
Bottom 7.1% in 100M-500M tier
1000
Total Deposits
balance_sheet
Value:
$95.87M
Peer Avg: $200.29M
#1000 of 1077
Bottom 7.2% in 100M-500M tier
998
Net Charge-Off Rate
risk
Value:
1.13%
Peer Avg: 0.47%
#998 of 1077
Bottom 7.4% in 100M-500M tier
991
Total Assets
balance_sheet
Value:
$111.50M
Peer Avg: $231.30M
#991 of 1077
Bottom 8.1% in 100M-500M tier
986
Share Certificate Concentration (%)
balance_sheet
Value:
39.39%
Peer Avg: 23.61%
#986 of 1077
Bottom 8.5% in 100M-500M tier
914
Loan Growth Rate
growth
Value:
-4.28%
Peer Avg: 3.45%
#914 of 1077
Bottom 15.2% in 100M-500M tier