BlastPoint's Credit Union Scorecard

VALLEY 1ST COMMUNITY

Charter #649 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

VALLEY 1ST COMMUNITY has 4 strengths but faces 7 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.84% above tier average
+ Net Interest Margin 0.65% above tier average
+ Net Worth Ratio: Top 1.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Total Deposits: Bottom 0.4% in tier
- Total Assets: Bottom 3.5% in tier
- Total Loans: Bottom 9.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	7,342 -0.5% YoY+0.2% QoQ	-7.8K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	Bottom 13.6% in tier
Assets	$104.2M +4.6% YoY+0.9% QoQ	$-127.5M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Bottom 3.4% in tier
Loans	$58.1M +9.2% YoY+2.2% QoQ	$-86.0M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 9.8% in tier
Deposits	$79.7M +5.3% YoY+0.6% QoQ	$-121.4M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Bottom 0.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% +45.5% YoY+51.6% QoQ	+0.8%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	Top 9.5% in tier
NIM	4.3% +8.2% YoY+11.5% QoQ	+0.6%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	85%
Efficiency Ratio	62.3% -12.8% YoY-12.9% QoQ	-15.8%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Top 11.1% in tier
Delinquency Rate	0.5% -19.2% YoY-4.6% QoQ	-0.3	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	40%
Loan To Share	72.9% +3.7% YoY+1.5% QoQ	+2.5%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	52%
AMR	$18,775 +7.5% YoY+1.1% QoQ	$-6K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	26%
CD Concentration	23.6% +16.8% YoY+8.0% QoQ	-0.7%	24.3%	15.4%	19.8%	50%
Indirect Auto %	22.0% -9.0% YoY-0.8% QoQ	+8.2%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#235 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.50%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Liquidity Overhang

risk

#32 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 23.24%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 72.91%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#320 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 4.59%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.98%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Stagnation Risk

risk

#556 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.21%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.48%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#563 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 (7 metrics)

Net Worth Ratio

risk

Value: 23.24%

Peer Median: 11.45%

#14 of 1070 Top 1.2% in 100M-500M tier

102

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Median: 0.69%

#102 of 1070 Top 9.4% in 100M-500M tier

120

Efficiency Ratio

profitability

Value: 62.27%

Peer Median: 78.68%

#120 of 1070 Top 11.1% in 100M-500M tier

163

Net Interest Margin (NIM)

profitability

Value: 4.28%

Peer Median: 3.62%

#163 of 1070 Top 15.1% in 100M-500M tier

183

AMR Growth Rate

growth

Value: 7.50%

Peer Median: 3.46%

#183 of 1070 Top 17.0% in 100M-500M tier

195

Members Per Employee (MPE)

engagement

Value: 407.889

Peer Median: 309.176

#195 of 1070 Top 18.1% in 100M-500M tier

213

Loan Growth Rate

growth

Value: 9.21%

Peer Median: 2.93%

#213 of 1070 Top 19.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1067

Total Deposits

balance_sheet

Value: $79.72M

Peer Median: $171.29M

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1034

Total Assets

balance_sheet

Value: $104.22M

Peer Median: $196.57M

#1034 of 1070 Bottom 3.5% in 100M-500M tier

965

Total Loans

balance_sheet

Value: $58.12M

Peer Median: $121.41M

#965 of 1070 Bottom 9.9% in 100M-500M tier

924

Total Members

engagement

Value: 7,342

Peer Median: 13,200

#924 of 1070 Bottom 13.7% in 100M-500M tier

838

Fee Income Per Member

profitability

Value: $103.98

Peer Median: $154.95

#838 of 1070 Bottom 21.8% in 100M-500M tier

808

Indirect Auto Concentration (%)

balance_sheet

Value: 21.98%

Peer Median: 6.61%

#808 of 1070 Bottom 24.6% in 100M-500M tier