BlastPoint's Credit Union Scorecard
TRI-VALLEY SERVICE
Charter #6690 · PA
TRI-VALLEY SERVICE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Net Interest Margin 0.46% above tier average
- + Members Per Employee (MPE): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 9.61% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 4.6% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,721
-2.7% YoY-0.8% QoQ
|
+1.0K |
2,683
-1.2% YoY
|
16,570
+6.4% YoY
|
31,195
+5.6% YoY
|
75% |
| Assets |
$19.0M
-7.7% YoY-2.8% QoQ
|
$-10.6M |
$29.5M
+0.1% YoY
|
$256.6M
+10.4% YoY
|
$507.9M
+7.0% YoY
|
47% |
| Loans |
$15.7M
-6.7% YoY-3.2% QoQ
|
$-425K |
$16.1M
+0.3% YoY
|
$177.8M
+7.5% YoY
|
$358.1M
+5.9% YoY
|
62% |
| Deposits |
$17.5M
-8.0% YoY-3.1% QoQ
|
$-7.9M |
$25.4M
-0.8% YoY
|
$219.4M
+10.0% YoY
|
$425.3M
+6.5% YoY
|
49% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-113.5% YoY-143.1% QoQ
|
+0.2% |
-0.1%
-119.4% YoY
|
0.7%
-7.9% YoY
|
0.2%
-69.3% YoY
|
22% |
| NIM |
4.2%
+12.4% YoY+2.1% QoQ
|
+0.5% |
3.8%
+12.5% YoY
|
3.4%
+11.5% YoY
|
3.6%
+9.2% YoY
|
68% |
| Efficiency Ratio |
93.0%
+2.6% YoY-2.5% QoQ
|
+9.6% |
83.4%
-1.6% YoY
|
77.4%
-6.0% YoY
|
81.8%
-0.3% YoY
|
78% |
| Delinquency Rate |
0.7%
-30.4% YoY+66.1% QoQ
|
-0.8 |
1.5%
+12.6% YoY
|
1.4%
+1.3% YoY
|
1.2%
+14.8% YoY
|
51% |
| Loan To Share |
89.9%
+1.3% YoY-0.2% QoQ
|
+26.7% |
63.1%
+2.1% YoY
|
56.6%
+2.4% YoY
|
69.2%
+1.2% YoY
|
Top 13.7% in tier |
| AMR |
$8,927
-4.8% YoY-2.4% QoQ
|
$-6K |
$15,039
+4.8% YoY
|
$15,684
+1.7% YoY
|
$19,175
+3.6% YoY
|
24% |
| CD Concentration |
15.4%
+15.7% YoY+8.9% QoQ
|
-8.1% | 23.4% | 14.2% | 18.5% | 50% |
| Indirect Auto % |
2.7%
-23.6% YoY-4.4% QoQ
|
-12.1% | 14.8% | 7.8% | 8.1% | 50% |
Signature Analysis
Strengths (0)
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)