BlastPoint's Credit Union Scorecard
VALLEYSTAR
Charter #66924 · VA
VALLEYSTAR faces 8 concerns requiring attention
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Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.8% in tier
- - Institutional Decline: Bottom 19.7% in tier
- - Capital Constraint: Bottom 23.3% in tier
- - Accelerating Exit Risk: Bottom 87.8% in tier
- - Stagnation Risk: Bottom 87.8% in tier
- - Membership Headwinds: Bottom 87.8% in tier
- - Shrinking Wallet Share: Bottom 97.9% in tier
- - ROA 2.00% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,271
-4.2% YoY-0.8% QoQ
|
-1.8K |
38,079
-4.8% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$518.0M
-10.1% YoY-4.1% QoQ
|
$-101.7M |
$619.7M
-0.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.2% in tier |
| Loans |
$353.4M
-15.1% YoY-5.5% QoQ
|
$-66.0M |
$419.3M
-1.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$412.0M
-10.6% YoY-4.9% QoQ
|
$-127.4M |
$539.5M
-0.1% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.1% in tier |
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| ROA |
-1.3%
+9.0% YoY+140.4% QoQ
|
-2.0% |
0.7%
+36.0% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
3.5%
-2.4% YoY-6.6% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
53% |
| Efficiency Ratio |
113.2%
+6.3% YoY+11.2% QoQ
|
+34.9% |
78.4%
-3.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
1.1%
-24.5% YoY-13.7% QoQ
|
+0.4 |
0.7%
-0.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
85.8%
-5.0% YoY-0.6% QoQ
|
+8.1% |
77.7%
-1.2% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$21,103
-8.9% YoY-4.4% QoQ
|
$-6K |
$26,927
+3.1% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
16.4%
-18.6% YoY-4.8% QoQ
|
-7.9% | 24.3% | 18.0% | 19.8% | 23% |
| Indirect Auto % |
10.6%
-29.1% YoY-8.2% QoQ
|
-3.2% | 13.8% | 9.4% | 7.7% | 54% |
Signature Analysis
Strengths (0)
Concerns (7)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)