BlastPoint's Credit Union Scorecard
VALLEY FINANCIAL
Charter #68689 · MT
VALLEY FINANCIAL has 5 strengths but faces 1 concern
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 20.7% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 0.09% above tier average
- + Deposit Growth Rate: Top 3.0% in tier
- + Asset Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,943
+3.5% YoY+1.6% QoQ
|
+863 |
38,079
-4.8% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$593.7M
+12.9% YoY+3.5% QoQ
|
$-26.0M |
$619.7M
-0.2% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$414.2M
+7.3% YoY+0.8% QoQ
|
$-5.1M |
$419.3M
-1.4% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$525.5M
+13.8% YoY+3.8% QoQ
|
$-14.0M |
$539.5M
-0.1% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.9%
-3.3% YoY+25.4% QoQ
|
+0.2% |
0.7%
+36.0% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
3.6%
-3.4% YoY-1.4% QoQ
|
+0.1% |
3.5%
+4.5% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
77.6%
+0.9% YoY-1.0% QoQ
|
-0.8% |
78.4%
-3.7% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
0.3%
-25.5% YoY-14.3% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
78.8%
-5.7% YoY-2.8% QoQ
|
+1.2% |
77.7%
-1.2% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$24,130
+7.0% YoY+0.8% QoQ
|
$-3K |
$26,927
+3.1% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
27.4%
+6.3% YoY+0.3% QoQ
|
+3.1% | 24.3% | 18.1% | 19.8% | 63% |
| Indirect Auto % |
23.4%
-4.3% YoY-1.8% QoQ
|
+9.6% | 13.8% | 5.6% | 7.7% | 76% |
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)