BlastPoint's Credit Union Scorecard
VALLEY FINANCIAL
Charter #68689 · MT
VALLEY FINANCIAL has 4 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does MT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.9% in tier
- + Net Interest Margin 0.16% above tier average
- + Deposit Growth Rate: Top 4.8% in tier
- + Asset Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.0% in tier
- - Efficiency ratio 0.81% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,323
+2.7% YoY-0.2% QoQ
|
-252 |
38,575
-4.8% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$573.6M
+12.2% YoY+3.0% QoQ
|
$-48.1M |
$621.7M
+0.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$410.8M
+10.8% YoY-0.1% QoQ
|
$-19.0M |
$429.8M
-1.8% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$506.4M
+12.9% YoY+3.2% QoQ
|
$-32.3M |
$538.7M
+0.6% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.7%
-31.9% YoY-14.5% QoQ
|
+0.0% |
0.7%
+42.9% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
3.6%
+0.2% YoY-2.4% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
78.3%
+5.8% YoY+3.1% QoQ
|
+0.8% |
77.5%
-4.1% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.4%
-5.5% YoY+13.6% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
81.1%
-1.9% YoY-3.2% QoQ
|
+1.3% |
79.8%
-2.3% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$23,934
+9.0% YoY+1.9% QoQ
|
$-3K |
$26,849
+2.7% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
27.4%
+2.7% YoY-1.9% QoQ
|
+2.9% | 24.4% | 17.9% | 19.8% | 61% |
| Indirect Auto % |
23.8%
-3.1% YoY-3.8% QoQ
|
+10.0% | 13.8% | 6.1% | 7.8% | 77% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)