BlastPoint's Credit Union Scorecard
VALLEY FIRST
Charter #68402 · CA
VALLEY FIRST has 6 strengths but faces 12 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 17.7% in tier
- + Emerging Performer: Top 54.9% in tier
- + Net Interest Margin 0.39% above tier average
- + Strong member growth: 7.9% YoY
- + Members Per Employee (MPE): Top 6.9% in tier
- + Member Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 5.6% in tier
- - Credit Quality Pressure: Bottom 13.6% in tier
- - Credit Risk Growth: Bottom 21.0% in tier
- - Indirect Auto Dependency: Bottom 21.4% in tier
- - ROA 0.09% below tier average
- - Total Deposits: Bottom 3.3% in tier
- - Net Charge-Off Rate: Bottom 4.3% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Total Assets: Bottom 4.9% in tier
- - Indirect Auto Concentration (%): Bottom 7.9% in tier
- - Average Member Relationship (AMR): Bottom 8.2% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
79,996
+7.9% YoY+0.7% QoQ
|
-18.7K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$1.0B
+0.7% YoY+0.4% QoQ
|
$-676.1M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.6% in tier |
| Loans |
$745.3M
+3.4% YoY+3.3% QoQ
|
$-487.7M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.2% in tier |
| Deposits |
$863.8M
+0.2% YoY+0.4% QoQ
|
$-590.5M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.0% in tier |
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| ROA |
0.6%
+43.5% YoY-3.0% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.7%
+13.4% YoY+1.4% QoQ
|
+0.4% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
69.6%
-4.3% YoY-2.3% QoQ
|
-4.4% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.8%
+19.4% YoY-13.0% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
86.3%
+3.2% YoY+2.9% QoQ
|
+1.1% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$20,115
-5.8% YoY+1.0% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.9% in tier |
| CD Concentration |
24.1%
-5.7% YoY+2.4% QoQ
|
-4.8% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
28% |
| Indirect Auto % |
43.6%
-16.8% YoY-8.6% QoQ
|
+24.9% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 8.4% 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 (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)