BlastPoint's Credit Union Scorecard
VALLEY FIRST
Charter #68402 · CA
VALLEY FIRST has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 94.7% in tier
- + Emerging Performer: Top 97.4% in tier
- + Net Interest Margin 0.37% above tier average
- + Members Per Employee (MPE): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 39.5% in tier
- - ROA 0.14% below tier average
- - Delinquency rate 0.10% above tier average
- - Total Deposits: Bottom 4.3% in tier
- - Total Assets: Bottom 6.6% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,465
+1.9% YoY+0.6% QoQ
|
-17.0K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$1.1B
+3.6% YoY+2.0% QoQ
|
$-659.6M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.3% in tier |
| Loans |
$776.4M
+8.5% YoY+4.2% QoQ
|
$-458.0M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.3% in tier |
| Deposits |
$885.2M
+4.7% YoY+2.5% QoQ
|
$-574.1M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.0% in tier |
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| ROA |
0.5%
+17.2% YoY-10.8% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.6%
+10.5% YoY-0.2% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
70.8%
-4.2% YoY+1.6% QoQ
|
-3.3% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
1.0%
-0.2% YoY+22.5% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
87.7%
+3.6% YoY+1.6% QoQ
|
+2.9% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$20,650
+4.5% YoY+2.7% QoQ
|
$-9K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.3% in tier |
| CD Concentration |
25.3%
+8.6% YoY+5.0% QoQ
|
-3.7% | 29.0% | 21.7% | 19.8% | 35% |
| Indirect Auto % |
40.2%
-22.4% YoY-7.9% QoQ
|
+21.9% | 18.3% | 9.2% | 7.8% | Top 9.8% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)