BlastPoint's Credit Union Scorecard
VALLEY STRONG
Charter #68712 · CA
VALLEY STRONG has 5 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 38.3% in tier
- + Organic Growth Engine: Top 39.8% in tier
- + Net Interest Margin 0.54% above tier average
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 43.6% in tier
- - Credit Quality Pressure: Bottom 54.3% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 3.09% above tier (higher cost structure)
- - Delinquency rate 1.13% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
353,871
+4.8% YoY+0.6% QoQ
|
+123.5K |
230,353
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 9.2% in tier |
| Assets |
$4.0B
+2.3% YoY+1.7% QoQ
|
+$67.3M |
$3.9B
+0.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$2.8B
-2.2% YoY-2.8% QoQ
|
$-129.1M |
$2.9B
-0.2% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$3.6B
+3.8% YoY+1.8% QoQ
|
+$272.4M |
$3.3B
-0.3% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.7%
-12.6% YoY-1.1% QoQ
|
-0.0% |
0.7%
+16.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.7%
+5.7% YoY+0.4% QoQ
|
+0.5% |
3.1%
+9.8% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
74.5%
+6.0% YoY-0.6% QoQ
|
+3.1% |
71.4%
-1.4% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
2.0%
+6.1% YoY+7.7% QoQ
|
+1.1 |
0.9%
+5.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 5.3% in tier |
| Loan To Share |
78.3%
-5.8% YoY-4.6% QoQ
|
-10.6% |
88.9%
-0.2% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$18,055
-3.5% YoY-0.8% QoQ
|
$-12K |
$29,682
+1.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.6% in tier |
| CD Concentration |
2.9%
-43.0% YoY-4.8% QoQ
|
-26.1% | 29.0% | 21.7% | 19.8% | Bottom 0.5% in tier |
| Indirect Auto % |
11.5%
+48.3% YoY+9.0% QoQ
|
-6.8% | 18.3% | 9.2% | 7.8% | 41% |
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 (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)