BlastPoint's Credit Union Scorecard
VALLEY STRONG
Charter #68712 · CA
VALLEY STRONG has 6 strengths but faces 10 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 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
|
49% |
| 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
|
40% |
| 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
|
63% |
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| 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
|
42% |
| 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
|
76% |
| 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
|
64% |
| 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
|
21% |
| 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%
+0.7% 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%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
37% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)