VALLEYSTAR

Charter #66924 | VA

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in VA

VALLEYSTAR has 1 strength but faces 17 concerns

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

  • - Deposit Outflow: Bottom 0.5% in tier
  • - Shrinking Wallet Share: Bottom 2.2% in tier
  • - Accelerating Exit Risk: Bottom 6.5% in tier
  • - Capital Constraint: Bottom 6.9% in tier
  • - Institutional Decline: Bottom 8.4% in tier
  • - Efficiency Drag: Bottom 8.5% in tier
  • - Membership Headwinds: Bottom 24.7% in tier
  • - Stagnation Risk: Bottom 32.6% in tier
  • - ROA 1.20% below tier average
  • - Efficiency ratio 24.56% above tier (higher cost structure)
  • - Delinquency rate 0.20% above tier average
  • - Deposit Growth Rate: Bottom 2.4% in tier
  • - Loan Growth Rate: Bottom 3.0% in tier
  • - Asset Growth Rate: Bottom 3.6% in tier
  • - AMR Growth Rate: Bottom 3.6% in tier
  • - Total Deposits: Bottom 5.9% in tier
  • - Net Charge-Off Rate: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 37,245
-1.4% YoY-0.8% QoQ
 -2.5K 39,752
-2.7% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $545.9M
-9.0% YoY-2.9% QoQ
 $-76.5M $622.4M
+0.3% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 20.7% in tier
Loans $387.6M
-15.1% YoY-3.3% QoQ
 $-48.3M $435.9M
-0.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 26th in tier
Deposits $437.4M
-8.4% YoY-2.8% QoQ
 $-100.6M $538.0M
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 5.3% in tier
ROA -0.5%
-59.6% YoY+9.5% QoQ
 -1.2% 0.7%
+33.9% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 0.6% in tier
NIM 3.7%
-9.3% YoY+2.5% QoQ
 +0.3% 3.4%
+8.6% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 75th in tier
Efficiency Ratio 102.7%
+6.5% YoY+0.3% QoQ
 +24.6% 78.1%
-3.4% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 1.8% in tier
Delinquency Rate 1.0%
-28.7% YoY+8.9% QoQ
 +0.2 0.8%
-4.9% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 24.9% in tier
Loan To Share 88.6%
-7.3% YoY-0.5% QoQ
 +7.6% 81.0%
-1.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 66th in tier
AMR $22,151
-10.4% YoY-2.2% QoQ
 $-4K $26,482
+2.6% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 30th in tier
CD Concentration 19.7%
-10.0% YoY-3.0% QoQ
 -4.7% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 34th in tier
Indirect Auto % 12.6%
-25.6% YoY-7.9% QoQ
 -1.4% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Deposit Outflow

decline
#4 of 114 • Bottom 0.5% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -8.39%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $545.89M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#23 of 244 • Bottom 2.2% in tier

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

Why This Signature
AMR Growth (YoY): -10.37%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#18 of 58 • Bottom 6.5% in tier

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

Why This Signature
Member Growth (YoY): -1.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -10.37%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 281 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Capital Constraint

risk
#7 of 18 • Bottom 6.9% 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: 88.61%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -8.39%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 10.16%
(Tier: 11.95%, National: 14.51%)
worse than tier avg
18 of 281 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | Rank improving

Institutional Decline

decline
#67 of 256 • Bottom 8.4% in tier

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

Why This Signature
Total Assets: $545.89M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -15.05%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Efficiency Drag

risk
#150 of 521 • Bottom 8.5% in tier

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

Why This Signature
Efficiency Ratio: 102.66%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.80% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#407 of 550 • Bottom 24.7% in tier

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

Why This Signature
Member Growth (YoY): -1.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#537 of 550 • Bottom 32.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.54%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 19.67%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (2 metrics)

37
Share Certificate Concentration (%)
balance_sheet
Value: 19.67%
Peer Avg: 26.87%
#37 of 169 Top 21.3% in 500M-750M tier
43
Net Interest Margin (NIM)
profitability
Value: 3.73%
Peer Avg: 3.43%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (12 metrics)

168
Return on Assets (ROA)
profitability
Value: -0.54%
Peer Avg: 0.66%
#168 of 169 Bottom 1.2% in 500M-750M tier
167
Efficiency Ratio
profitability
Value: 102.66%
Peer Avg: 78.10%
#167 of 169 Bottom 1.8% in 500M-750M tier
166
Deposit Growth Rate
growth
Value: -8.39%
Peer Avg: 5.25%
#166 of 169 Bottom 2.4% in 500M-750M tier
165
Loan Growth Rate
growth
Value: -15.05%
Peer Avg: 4.04%
#165 of 169 Bottom 3.0% in 500M-750M tier
164
Asset Growth Rate
growth
Value: -9.04%
Peer Avg: 4.33%
#164 of 169 Bottom 3.6% in 500M-750M tier
164
AMR Growth Rate
growth
Value: -10.37%
Peer Avg: 3.12%
#164 of 169 Bottom 3.6% in 500M-750M tier
160
Total Deposits
balance_sheet
Value: $437.42M
Peer Avg: $538.02M
#160 of 169 Bottom 5.9% in 500M-750M tier
158
Net Charge-Off Rate
risk
Value: 1.17%
Peer Avg: 0.51%
#158 of 169 Bottom 7.1% in 500M-750M tier
150
Members Per Employee (MPE)
engagement
Value: 241.851
Peer Avg: 338.010
#150 of 169 Bottom 11.8% in 500M-750M tier
134
Total Assets
balance_sheet
Value: $545.89M
Peer Avg: $622.38M
#134 of 169 Bottom 21.3% in 500M-750M tier