BlastPoint's Credit Union Scorecard

GREATER VALLEY

Charter #64660 · CA

<100M
2508 CUs in <100M nationally 92 in CA

GREATER VALLEY demonstrates 1 strength

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.52% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 2,093
+0.9% YoY-0.3% QoQ
-583 2,676
+1.6% YoY
57,202
-0.9% YoY
33,913
+5.7% YoY
53%
Assets $33.4M
+0.7% YoY-0.6% QoQ
+$3.2M $30.2M
+1.3% YoY
$1.2B
+0.4% YoY
$578.3M
+9.0% YoY
63%
Loans $12.9M
+9.0% YoY+6.4% QoQ
$-2.4M $15.3M
-2.0% YoY
$813.8M
+0.1% YoY
$402.4M
+8.7% YoY
58%
Deposits $28.3M
-0.1% YoY-0.8% QoQ
+$2.6M $25.8M
+0.7% YoY
$1.0B
+1.2% YoY
$494.3M
+9.1% YoY
62%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
+11.3% YoY-5.8% QoQ
+0.5% 0.1%
-77.6% YoY
2.1%
+290.7% YoY
0.4%
-39.2% YoY
53%
NIM 3.0%
+17.0% YoY+6.8% QoQ
-1.0% 4.0%
+4.0% YoY
5.0%
+56.5% YoY
3.8%
+4.1% YoY
19%
Efficiency Ratio 76.1%
-2.6% YoY+2.2% QoQ
-14.5% 90.6%
+6.5% YoY
81.3%
-2.7% YoY
84.6%
+2.8% YoY
37%
Delinquency Rate 0.0%
-91.4% YoY-97.1% QoQ
-1.5 1.5%
+3.8% YoY
0.6%
-45.1% YoY
1.2%
+3.4% YoY
Top 14.0% in tier
Loan To Share 45.6%
+9.1% YoY+7.2% QoQ
-13.0% 58.5%
-3.0% YoY
67.3%
-0.6% YoY
65.6%
-1.4% YoY
30%
AMR $19,708
+1.7% YoY+1.6% QoQ
+$5K $14,884
-1.7% YoY
$28,733
+1.2% YoY
$19,920
+1.6% YoY
77%
CD Concentration 26.3%
-3.5% YoY-1.4% QoQ
+2.0% 24.3% 21.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.0% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
292
Loan Growth Rate
growth
Value: 9.03%
Peer Median: -2.36%
#292 of 2508 Top 11.6% in <100M tier
353
Total Delinquency Rate (60+ days)
risk
Value: 0.01%
Peer Median: 0.65%
#353 of 2508 Top 14.0% in <100M tier
432
Net Charge-Off Rate
risk
Value: -0.01%
Peer Median: 0.07%
#432 of 2508 Top 17.2% in <100M tier
583
Average Member Relationship (AMR)
engagement
Value: $19,708
Peer Median: $13,926
#583 of 2508 Top 23.2% in <100M tier
619
Member Growth Rate
growth
Value: 0.87%
Peer Median: -1.37%
#619 of 2508 Top 24.6% in <100M tier

Top Weaknesses (3 metrics)

2132
Fee Income Per Member
profitability
Value: $4.73
Peer Median: $60.42
#2132 of 2508 Bottom 15.0% in <100M tier
2033
Net Interest Margin (NIM)
profitability
Value: 3.01%
Peer Median: 3.83%
#2033 of 2508 Bottom 19.0% in <100M tier
1931
Share Certificate Concentration (%)
balance_sheet
Value: 26.29%
Peer Median: 12.45%
#1931 of 2508 Bottom 23.0% in <100M tier
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