BlastPoint's Credit Union Scorecard

VALLEYSTAR

Charter #66924 · VA

Community 500M-750M

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

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VALLEYSTAR has 1 strength but faces 16 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

- 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	48%
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	21%
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	26%
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

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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% -59.6% 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	75%
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	75%
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	66%
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	30%
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	34%
Indirect Auto %	12.6% -25.6% YoY-7.9% QoQ	-1.4%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	58%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

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: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -15.05%

(Tier: 3.65%, 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

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

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#537 of 550 • Bottom 32.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -15.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.00%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 19.67%

Peer Avg: -

#37 of 169 Top 21.3% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.73%

Peer Avg: -

#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: -

#168 of 169 Bottom 1.2% in 500M-750M tier

167

Efficiency Ratio

profitability

Value: 102.66%

Peer Avg: -

#167 of 169 Bottom 1.8% in 500M-750M tier

166

Deposit Growth Rate

growth

Value: -8.39%

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

165

Loan Growth Rate

growth

Value: -15.05%

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

164

Asset Growth Rate

growth

Value: -9.04%

Peer Avg: -

#164 of 169 Bottom 3.6% in 500M-750M tier

164

AMR Growth Rate

growth

Value: -10.37%

Peer Avg: -

#164 of 169 Bottom 3.6% in 500M-750M tier

160

Total Deposits

balance_sheet

Value: $437.42M

Peer Avg: -

#160 of 169 Bottom 5.9% in 500M-750M tier

158

Net Charge-Off Rate

risk

Value: 1.17%

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

150

Members Per Employee (MPE)

engagement

Value: 241.851

Peer Avg: -

#150 of 169 Bottom 11.8% in 500M-750M tier

134

Total Assets

balance_sheet

Value: $545.89M

Peer Avg: -

#134 of 169 Bottom 21.3% in 500M-750M tier