BlastPoint's Credit Union Scorecard
VALLEY STRONG
Charter #68712 · CA
VALLEY STRONG has 6 strengths but faces 8 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 29.2% in tier
- + Organic Growth Engine: Top 29.2% in tier
- + Net Interest Margin 0.58% above tier average
- + Share Certificate Concentration (%): Top 0.1% in tier
- + Total Members: Top 3.8% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.1% in tier
- - Shrinking Wallet Share: Bottom 89.5% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 4.32% above tier (higher cost structure)
- - Delinquency rate 1.35% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- - Average Member Relationship (AMR): Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
357,321
+4.1% YoY+1.0% QoQ
|
+136.9K |
220,435
-7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 5.1% in tier |
| Assets |
$4.1B
+2.8% YoY+1.6% QoQ
|
+$158.9M |
$3.9B
-1.5% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$2.9B
+0.4% YoY+1.6% QoQ
|
$-42.1M |
$2.9B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$3.6B
+2.0% YoY+1.7% QoQ
|
+$344.8M |
$3.3B
-2.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
73% |
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| ROA |
0.6%
+3.7% YoY-15.7% QoQ
|
-0.2% |
0.7%
+10.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
3.8%
+12.7% YoY+3.0% QoQ
|
+0.6% |
3.2%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
75.6%
-3.2% YoY+1.5% QoQ
|
+4.3% |
71.3%
-2.6% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
2.1%
+29.3% YoY+4.2% QoQ
|
+1.3 |
0.7%
+9.2% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
78.3%
-1.6% YoY-0.1% QoQ
|
-9.7% |
88.0%
+0.9% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$18,173
-2.7% YoY+0.7% QoQ
|
$-12K |
$30,672
+5.5% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.1% in tier |
| CD Concentration |
2.6%
-41.6% YoY-9.4% QoQ
|
-26.2% | 28.8% | 21.6% | 19.8% | Bottom 0.5% in tier |
| Indirect Auto % |
12.7%
+45.7% YoY+10.0% QoQ
|
-5.4% | 18.1% | 9.0% | 7.7% | 44% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
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.
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)