BlastPoint's Credit Union Scorecard

VALLEYSTAR

Charter #66924 · VA

Community 500M-750M

165 CUs in 500M-750M nationally 6 in VA

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VALLEYSTAR has 1 strength but faces 18 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 1.8% in tier
- Institutional Decline: Bottom 2.5% in tier
- Stagnation Risk: Bottom 3.8% in tier
- Shrinking Wallet Share: Bottom 13.5% in tier
- Membership Headwinds: Bottom 29.1% in tier
- Efficiency Drag: Bottom 51.0% in tier
- Capital Constraint: Bottom 59.1% in tier
- ROA 1.20% below tier average
- Efficiency ratio 24.36% above tier (higher cost structure)
- Delinquency rate 0.41% above tier average
- Member decline: -4.4% YoY
- Asset Growth Rate: Bottom 1.8% in tier
- Loan Growth Rate: Bottom 2.4% in tier
- Deposit Growth Rate: Bottom 2.4% in tier
- AMR Growth Rate: Bottom 3.6% in tier
- Total Deposits: Bottom 4.8% in tier
- Net Charge-Off Rate: Bottom 7.9% in tier
- Member Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	36,551 -4.4% YoY-1.9% QoQ	-2.0K	38,575 -4.8% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	47%
Assets	$540.3M -7.8% YoY-1.0% QoQ	$-81.4M	$621.7M +0.1% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	18%
Loans	$373.9M -15.3% YoY-3.5% QoQ	$-55.9M	$429.8M -1.8% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	27%
Deposits	$433.3M -7.6% YoY-0.9% QoQ	$-105.4M	$538.7M +0.6% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	Bottom 4.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.5% -59.1% YoY+0.0% QoQ	-1.2%	0.7% +42.9% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	Bottom 0.6% in tier
NIM	3.7% -8.2% YoY+0.4% QoQ	+0.3%	3.4% +8.0% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	74%
Efficiency Ratio	101.9% +6.1% YoY-0.8% QoQ	+24.4%	77.5% -4.1% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	Top 1.8% in tier
Delinquency Rate	1.3% -35.7% YoY+25.5% QoQ	+0.4	0.8% -1.1% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	81%
Loan To Share	86.3% -8.3% YoY-2.6% QoQ	+6.4%	79.8% -2.3% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	61%
AMR	$22,083 -7.3% YoY-0.3% QoQ	$-5K	$26,849 +2.7% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	24%
CD Concentration	17.2% -15.7% YoY-12.6% QoQ	-7.2%	24.4%	18.3%	19.8%	25%
Indirect Auto %	11.5% -27.3% YoY-8.6% QoQ	-2.3%	13.8%	9.6%	7.8%	56%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline

#2 of 56 • Bottom 1.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -7.29%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 282 Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Institutional Decline

decline

#7 of 240 • Bottom 2.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $540.33M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -4.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -15.32%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 282 Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#22 of 554 • Bottom 3.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -15.32%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.26%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Shrinking Wallet Share

decline

#29 of 208 • Bottom 13.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -7.29%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 282 Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Membership Headwinds

decline

#162 of 554 • Bottom 29.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#275 of 538 • Bottom 51.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 101.87%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.79% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -4.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Capital Constraint

risk

#14 of 23 • Bottom 59.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 86.29%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -7.63%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 10.04%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 282 Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 17.19%

Peer Median: -

#18 of 165 Top 10.3% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.75%

Peer Median: -

#42 of 165 Top 24.8% in 500M-750M tier

Top Weaknesses (13 metrics)

164

Return on Assets (ROA)

profitability

Value: -0.54%

Peer Median: -

#164 of 165 Bottom 1.2% in 500M-750M tier

163

Efficiency Ratio

profitability

Value: 101.87%

Peer Median: -

#163 of 165 Bottom 1.8% in 500M-750M tier

163

Asset Growth Rate

growth

Value: -7.77%

Peer Median: -

#163 of 165 Bottom 1.8% in 500M-750M tier

162

Loan Growth Rate

growth

Value: -15.32%

Peer Median: -

#162 of 165 Bottom 2.4% in 500M-750M tier

162

Deposit Growth Rate

growth

Value: -7.63%

Peer Median: -

#162 of 165 Bottom 2.4% in 500M-750M tier

160

AMR Growth Rate

growth

Value: -7.29%

Peer Median: -

#160 of 165 Bottom 3.6% in 500M-750M tier

158

Total Deposits

balance_sheet

Value: $433.28M

Peer Median: -

#158 of 165 Bottom 4.8% in 500M-750M tier

153

Net Charge-Off Rate

risk

Value: 1.23%

Peer Median: -

#153 of 165 Bottom 7.9% in 500M-750M tier

152

Member Growth Rate

growth

Value: -4.39%

Peer Median: -

#152 of 165 Bottom 8.5% in 500M-750M tier

135

Total Delinquency Rate (60+ days)

risk

Value: 1.26%

Peer Median: -

#135 of 165 Bottom 18.8% in 500M-750M tier