BlastPoint's Credit Union Scorecard
VALLEY COMMUNITIES
Charter #66430 · WI
VALLEY COMMUNITIES has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.5% in tier
- + Wallet Share Momentum: Top 23.2% in tier
- + Organic Growth Leader: Top 24.0% in tier
- + ROA 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 2.2% in tier
- + Deposit Growth Rate: Top 2.6% in tier
- + Share Certificate Concentration (%): Top 4.8% in tier
- + AMR Growth Rate: Top 9.0% in tier
- + Total Delinquency Rate (60+ days): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.38% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,069
+4.5% YoY-2.2% QoQ
|
+631 |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$296.0M
+18.4% YoY+1.5% QoQ
|
+$64.2M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$157.7M
+12.6% YoY+1.2% QoQ
|
+$10.3M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$254.7M
+17.9% YoY+1.6% QoQ
|
+$53.9M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.9%
-4.6% YoY+0.3% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.6%
+1.8% YoY+0.4% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
77.4%
+1.6% YoY-0.2% QoQ
|
+0.4% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.2%
-78.4% YoY-58.4% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.3% in tier |
| Loan To Share |
61.9%
-4.5% YoY-0.5% QoQ
|
-10.3% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$25,661
+10.8% YoY+3.7% QoQ
|
+$985 |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
5.2%
+5.4% YoY+1.9% QoQ
|
-19.2% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (0)
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)