BlastPoint's Credit Union Scorecard

VALLEY

Charter #64169 · OR

100M-500M

1070 CUs in 100M-500M nationally 17 in OR

VALLEY has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- ROA 0.06% below tier average
- Delinquency rate 3.65% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- Net Charge-Off Rate: Bottom 3.1% in tier
- Loan Growth Rate: Bottom 4.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	6,114 +0.3% YoY+0.1% QoQ	-9.0K	15,145 -2.5% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	Bottom 7.0% in tier
Assets	$117.0M +1.1% YoY+4.7% QoQ	$-114.8M	$231.7M +0.8% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	Bottom 11.3% in tier
Loans	$76.1M -8.7% YoY-3.8% QoQ	$-68.1M	$144.1M +0.2% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	22%
Deposits	$101.4M +0.3% YoY+4.3% QoQ	$-99.7M	$201.1M +0.4% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	Bottom 11.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -20.3% YoY-12.3% QoQ	-0.1%	0.7% +5.1% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	48%
NIM	3.8% -3.1% YoY-9.9% QoQ	+0.1%	3.6% +4.6% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	67.9% -1.9% YoY+3.1% QoQ	-10.1%	78.0% -1.7% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	4.4% +31.0% YoY-1.5% QoQ	+3.6	0.8% +7.1% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	Bottom 0.6% in tier
Loan To Share	75.0% -9.0% YoY-7.8% QoQ	+4.6%	70.4% -0.4% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	56%
AMR	$29,029 -4.1% YoY+0.5% QoQ	+$4K	$24,918 +2.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	78%
CD Concentration	39.9% -2.7% YoY-1.3% QoQ	+15.6%	24.3%	16.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#26 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

Shrinking Wallet Share

decline

#79 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.08%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Wealth Migration Risk

decline

#20 of 20 • Bottom 50.0% 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: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -4.08%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

224

Efficiency Ratio

profitability

Value: 67.91%

Peer Median: 78.68%

#224 of 1070 Top 20.8% in 100M-500M tier

227

Loan-to-Member Ratio (LMR)

engagement

Value: $12,445

Peer Median: $9,356

#227 of 1070 Top 21.1% in 100M-500M tier

238

Average Member Relationship (AMR)

engagement

Value: $29,029

Peer Median: $22,931

#238 of 1070 Top 22.1% in 100M-500M tier

Top Weaknesses (11 metrics)

1065

Total Delinquency Rate (60+ days)

risk

Value: 4.42%

Peer Median: 0.61%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1038

Net Charge-Off Rate

risk

Value: 1.69%

Peer Median: 0.35%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1027

Loan Growth Rate

growth

Value: -8.67%

Peer Median: 2.93%

#1027 of 1070 Bottom 4.1% in 100M-500M tier

1001

AMR Growth Rate

growth

Value: -4.08%

Peer Median: 3.46%

#1001 of 1070 Bottom 6.5% in 100M-500M tier

995

Total Members

engagement

Value: 6,114

Peer Median: 13,200

#995 of 1070 Bottom 7.1% in 100M-500M tier

990

Share Certificate Concentration (%)

balance_sheet

Value: 39.90%

Peer Median: 23.10%

#990 of 1070 Bottom 7.6% in 100M-500M tier

949

Total Assets

balance_sheet

Value: $116.95M

Peer Median: $196.57M

#949 of 1070 Bottom 11.4% in 100M-500M tier

948

Total Deposits

balance_sheet

Value: $101.39M

Peer Median: $171.29M

#948 of 1070 Bottom 11.5% in 100M-500M tier

839

Total Loans

balance_sheet

Value: $76.09M

Peer Median: $121.41M

#839 of 1070 Bottom 21.7% in 100M-500M tier

836

Deposit Growth Rate

growth

Value: 0.31%

Peer Median: 3.30%

#836 of 1070 Bottom 22.0% in 100M-500M tier