BlastPoint's Credit Union Scorecard
VALLEY
Charter #64169 · OR
VALLEY has 2 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.0% in tier
- - Shrinking Wallet Share: Bottom 28.0% in tier
- - Deposit Outflow: Bottom 69.1% in tier
- - Wealth Migration Risk: Bottom 84.2% in tier
- - ROA 0.00% below tier average
- - Delinquency rate 3.59% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
- - AMR Growth Rate: Bottom 4.6% in tier
- - Total Members: Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 6.5% in tier
- - Deposit Growth Rate: Bottom 6.8% in tier
- - Share Certificate Concentration (%): Bottom 7.3% in tier
- - Total Assets: Bottom 7.8% in tier
- - Total Deposits: Bottom 8.8% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,107
-0.0% YoY+0.2% QoQ
|
-9.3K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Bottom 6.2% in tier |
| Assets |
$111.7M
-3.9% YoY+0.2% QoQ
|
$-120.2M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.7% in tier |
| Loans |
$79.1M
-7.0% YoY-2.4% QoQ
|
$-68.2M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$97.2M
-2.8% YoY+1.4% QoQ
|
$-103.6M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.7% in tier |
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| ROA |
0.8%
+285.1% YoY-27.0% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
4.2%
+11.0% YoY-2.1% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
65.9%
-11.8% YoY+4.2% QoQ
|
-11.1% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
4.5%
+48.2% YoY+11.4% QoQ
|
+3.6 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Top 0.8% in tier |
| Loan To Share |
81.4%
-4.3% YoY-3.7% QoQ
|
+9.2% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$28,871
-4.7% YoY-0.6% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
40.4%
-2.4% YoY+2.7% QoQ
|
+16.0% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)