BlastPoint's Credit Union Scorecard
VALLEYSTAR
Charter #66924 · VA
VALLEYSTAR has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.09% above tier average
- + Share Certificate Concentration (%): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 5.0% in tier
- - Institutional Decline: Bottom 21.2% in tier
- - Stagnation Risk: Bottom 94.0% in tier
- - Accelerating Exit Risk: Bottom 94.0% in tier
- - Membership Headwinds: Bottom 94.0% in tier
- - Shrinking Wallet Share: Bottom 97.4% in tier
- - Efficiency ratio 31.88% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Virginia.
- Shares and deposits -9.8% year over year ($406M in shares and deposits).
- Membership: 34,919 members, -7.0% vs a year ago.
- Delinquency rate 1.76%.
- Return on assets 1.03%.
- Efficiency ratio 108.44% vs a 76.56% peer average.
- Loan-to-share ratio 82.00% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,919
-7.0% YoY-3.7% QoQ
|
-3.0K |
37,897
-5.0% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$503.4M
-10.5% YoY-2.8% QoQ
|
$-119.0M |
$622.4M
+0.6% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.2% in tier |
| Loans |
$333.0M
-16.9% YoY-5.8% QoQ
|
$-95.5M |
$428.5M
-0.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$406.1M
-9.8% YoY-1.4% QoQ
|
$-133.7M |
$539.8M
+0.9% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.1% in tier |
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| ROA |
1.0%
-308.2% YoY-179.1% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
3.6%
-0.7% YoY+3.3% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
108.4%
+6.0% YoY-4.2% QoQ
|
+31.9% |
76.6%
-3.6% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
1.8%
+91.7% YoY+62.5% QoQ
|
+1.0 |
0.8%
+3.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.5% in tier |
| Loan To Share |
82.0%
-7.9% YoY-4.4% QoQ
|
+2.7% |
79.3%
-1.4% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$21,165
-6.6% YoY+0.3% QoQ
|
$-6K |
$27,294
+4.1% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
14.8%
-27.1% YoY-9.7% QoQ
|
-9.8% | 24.6% | 18.0% | 20.0% | 18% |
| Indirect Auto % |
9.7%
-28.9% YoY-8.1% QoQ
|
-3.9% | 13.6% | 9.3% | 7.7% | 53% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)