VALLEY STRONG

Charter #68712 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

VALLEY STRONG has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 9.4% in tier
  • + Organic Growth Engine: Top 10.1% in tier
  • + Net Interest Margin 0.46% above tier average
  • + Strong member growth: 5.7% YoY
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Total Members: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 0.0% in tier
  • - Credit Quality Pressure: Bottom 3.8% in tier
  • - Shrinking Wallet Share: Bottom 8.6% in tier
  • - Cost Spiral: Bottom 16.1% in tier
  • - ROA 0.06% below tier average
  • - Efficiency ratio 3.70% above tier (higher cost structure)
  • - Delinquency rate 1.02% above tier average
  • - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
  • - Average Member Relationship (AMR): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 351,876
+5.7% YoY+1.2% QoQ
 +113.4K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 10.5% in tier
Assets $3.9B
+0.4% YoY+0.0% QoQ
 $-28.9M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 49th in tier
Loans $2.9B
-1.4% YoY+0.8% QoQ
 $-130.8M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 40th in tier
Deposits $3.5B
+3.0% YoY-0.5% QoQ
 +$185.8M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 63rd in tier
ROA 0.7%
-22.2% YoY+14.7% QoQ
 -0.1% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 42nd in tier
NIM 3.7%
+3.6% YoY+4.5% QoQ
 +0.5% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Top 23.7% in tier
Efficiency Ratio 75.0%
+9.2% YoY-2.6% QoQ
 +3.7% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 64th in tier
Delinquency Rate 1.9%
+27.9% YoY-1.7% QoQ
 +1.0 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 7.9% in tier
Loan To Share 82.1%
-4.3% YoY+1.3% QoQ
 -8.8% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 21.1% in tier
AMR $18,209
-4.5% YoY-1.0% QoQ
 $-11K $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 6.6% in tier
CD Concentration 3.1%
-42.0% YoY-18.3% QoQ
 -25.9% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 0.5% in tier
Indirect Auto % 10.6%
+32.9% YoY+10.7% QoQ
 -8.2% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 37th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#38 of 138 • Top 9.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.70%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth
#74 of 246 • Top 10.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.70%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.68%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.56%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Flatlined Growth

risk
#1 of 18 • Bottom 0.0% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $3.94B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
Asset Growth (YoY): 0.42%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.68%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

Credit Quality Pressure

risk
#30 of 217 • Bottom 3.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.41% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#27 of 83 • Bottom 8.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.48%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Cost Spiral

risk
#10 of 14 • Bottom 16.1% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 6.30% points
(Tier: -7.46% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $3.94B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
14 of 380 Mid-Market CUs have this signature | 80 nationally
→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

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)

Comparing against 76 peers in tier

Top Strengths (4 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 3.07%
Peer Avg: 30.70%
#1 of 76 Top 0.0% in 3B-5B tier
8
Total Members
engagement
Value: 351,876
Peer Avg: 238,466
#8 of 76 Top 9.2% in 3B-5B tier
9
Members Per Employee (MPE)
engagement
Value: 579.697
Peer Avg: 433.941
#9 of 76 Top 10.5% in 3B-5B tier
18
Net Interest Margin (NIM)
profitability
Value: 3.66%
Peer Avg: 3.20%
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (8 metrics)

72
Loan-to-Member Ratio (LMR)
engagement
Value: $8,208
Peer Avg: $13,761
#72 of 76 Bottom 6.6% in 3B-5B tier
71
Total Delinquency Rate (60+ days)
risk
Value: 1.86%
Peer Avg: 0.84%
#71 of 76 Bottom 7.9% in 3B-5B tier
71
Average Member Relationship (AMR)
engagement
Value: $18,209
Peer Avg: $29,088
#71 of 76 Bottom 7.9% in 3B-5B tier
69
Loan Growth Rate
growth
Value: -1.45%
Peer Avg: 9.56%
#69 of 76 Bottom 10.5% in 3B-5B tier
67
AMR Growth Rate
growth
Value: -4.48%
Peer Avg: 2.07%
#67 of 76 Bottom 13.2% in 3B-5B tier
62
Asset Growth Rate
growth
Value: 0.42%
Peer Avg: 7.42%
#62 of 76 Bottom 19.7% in 3B-5B tier
60
Loan-to-Share Ratio
balance_sheet
Value: 82.07%
Peer Avg: 90.85%
#60 of 76 Bottom 22.4% in 3B-5B tier
58
Net Worth Ratio
risk
Value: 9.56%
Peer Avg: 10.75%
#58 of 76 Bottom 25.0% in 3B-5B tier