BlastPoint's Credit Union Scorecard
VALLEY 1ST COMMUNITY
Charter #649 · PA
VALLEY 1ST COMMUNITY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 64.8% in tier
- + ROA 0.27% above tier average
- + Net Interest Margin 0.23% above tier average
- + Net Worth Ratio: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 19.4% in tier
- - Indirect Auto Dependency: Bottom 58.4% in tier
- - Total Deposits: Bottom 0.6% in tier
- - Total Assets: Bottom 2.2% in tier
- - Total Loans: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,327
+0.1% YoY-1.6% QoQ
|
-8.1K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.0% in tier |
| Assets |
$103.3M
+5.9% YoY+0.9% QoQ
|
$-128.6M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.1% in tier |
| Loans |
$56.9M
+6.5% YoY+3.3% QoQ
|
$-90.5M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.7% in tier |
| Deposits |
$79.2M
+7.3% YoY+1.7% QoQ
|
$-121.6M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.5% in tier |
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| ROA |
1.0%
+22.5% YoY-30.3% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
3.8%
-1.2% YoY-6.0% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
71.5%
+2.5% YoY+9.5% QoQ
|
-5.5% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.5%
-26.6% YoY-16.4% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
71.8%
-0.7% YoY+1.6% QoQ
|
-0.4% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$18,577
+6.8% YoY+4.0% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
21.9%
+13.3% YoY-3.3% QoQ
|
-2.6% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
22.2%
-6.5% YoY-6.0% QoQ
|
+8.4% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)