BlastPoint's Credit Union Scorecard

VALLEY 1ST COMMUNITY

Charter #649 · PA

1077 CUs in 100M-500M nationally 61 in PA

VALLEY 1ST COMMUNITY has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 10.2% in tier
+ Emerging Performer: Top 33.7% in tier
+ Profitability Leader: Top 47.8% in tier
+ ROA 0.69% above tier average
+ Net Interest Margin 0.50% above tier average
+ Net Worth Ratio: Top 1.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 15.0% in tier
- Indirect Auto Dependency: Bottom 20.9% in tier
- Total Deposits: Bottom 0.5% in tier
- Total Assets: Bottom 1.5% in tier
- Total Loans: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	7,444 +2.8% YoY-0.1% QoQ	-8.2K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	Bottom 13.3% in tier
Assets	$102.3M +5.4% YoY+1.1% QoQ	$-129.0M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	Bottom 1.4% in tier
Loans	$55.1M +6.8% YoY+0.7% QoQ	$-92.7M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 7.1% in tier
Deposits	$77.9M +6.4% YoY+0.6% QoQ	$-122.4M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Bottom 0.4% 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	1.5% +27.8% YoY+14.6% QoQ	+0.7%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Top 13.1% in tier
NIM	4.1% +6.4% YoY+0.7% QoQ	+0.5%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	78%
Efficiency Ratio	65.3% -5.4% YoY-3.8% QoQ	-12.0%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	0.6% -29.5% YoY-5.4% QoQ	-0.3	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	46%
Loan To Share	70.7% +0.3% YoY+0.0% QoQ	-2.0%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	42%
AMR	$17,865 +3.7% YoY+0.7% QoQ	$-6K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	21%
CD Concentration	22.6% +19.1% YoY+8.8% QoQ	-1.8%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	23.6% -3.6% YoY-2.1% QoQ	+9.6%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#188 of 603 • Top 10.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.76%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.48%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 23.57%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#65 of 191 • Top 33.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.76%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Profitability Leader

growth

#163 of 340 • Top 47.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (2)

Liquidity Overhang

risk

#21 of 134 • Bottom 15.0% 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: 23.35%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 70.68%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#336 of 525 • Bottom 20.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.45%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 23.57%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.76%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

Net Worth Ratio

risk

Value: 23.35%

Peer Avg: -

#13 of 1077 Top 1.1% in 100M-500M tier

141

Return on Assets (ROA)

profitability

Value: 1.48%

Peer Avg: -

#141 of 1077 Top 13.0% in 100M-500M tier

171

Efficiency Ratio

profitability

Value: 65.31%

Peer Avg: -

#171 of 1077 Top 15.8% in 100M-500M tier

237

Member Growth Rate

growth

Value: 2.76%

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

241

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Avg: -

#241 of 1077 Top 22.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1073

Total Deposits

balance_sheet

Value: $77.91M

Peer Avg: -

#1073 of 1077 Bottom 0.5% in 100M-500M tier

1062

Total Assets

balance_sheet

Value: $102.31M

Peer Avg: -

#1062 of 1077 Bottom 1.5% in 100M-500M tier

1000

Total Loans

balance_sheet

Value: $55.07M

Peer Avg: -

#1000 of 1077 Bottom 7.2% in 100M-500M tier

934

Total Members

engagement

Value: 7,444

Peer Avg: -

#934 of 1077 Bottom 13.4% in 100M-500M tier

846

Average Member Relationship (AMR)

engagement

Value: $17,865

Peer Avg: -

#846 of 1077 Bottom 21.5% in 100M-500M tier

831

Indirect Auto Concentration (%)

balance_sheet

Value: 23.57%

Peer Avg: -

#831 of 1077 Bottom 22.9% in 100M-500M tier