BlastPoint's Credit Union Scorecard
VALLEY FINANCIAL
Charter #68689 · MT
VALLEY FINANCIAL has 6 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 7.2% in tier
- + Net Interest Margin 0.08% above tier average
- + Asset Growth Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 4.2% in tier
- + Loan Growth Rate: Top 4.8% in tier
- + AMR Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Montana.
- Shares and deposits +14.5% year over year ($531M in shares and deposits).
- Membership: 39,267 members, +3.1% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 0.85%.
- Efficiency ratio 75.67% vs a 76.56% peer average.
- Loan-to-share ratio 87.50% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,267
+3.1% YoY+0.8% QoQ
|
+1.4K |
37,897
-5.0% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$600.9M
+13.6% YoY+1.2% QoQ
|
$-21.5M |
$622.4M
+0.6% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$464.6M
+15.6% YoY+12.2% QoQ
|
+$36.1M |
$428.5M
-0.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$531.0M
+14.5% YoY+1.1% QoQ
|
$-8.7M |
$539.8M
+0.9% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.8%
+9.3% YoY-2.2% QoQ
|
+0.0% |
0.8%
+39.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
3.6%
-3.3% YoY+1.5% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
75.7%
+1.0% YoY-2.5% QoQ
|
-0.9% |
76.6%
-3.6% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.3%
-30.2% YoY-17.4% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 11.5% in tier |
| Loan To Share |
87.5%
+1.0% YoY+11.0% QoQ
|
+8.2% |
79.3%
-1.4% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$25,356
+11.5% YoY+5.1% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
27.7%
+1.8% YoY+0.9% QoQ
|
+3.1% | 24.6% | 18.0% | 20.0% | 63% |
| Indirect Auto % |
24.0%
-6.9% YoY+2.3% QoQ
|
+10.3% | 13.6% | 5.7% | 7.7% | 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)