BlastPoint's Credit Union Scorecard
VALLEY
Charter #850 · TX
VALLEY has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 67.4% in tier
- + Organic Growth Engine: Top 68.7% in tier
- + Organic Growth Leader: Top 73.2% in tier
- + Emerging Performer: Top 92.8% in tier
- + Net Interest Margin 1.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 45.2% in tier
- - ROA 0.00% below tier average
- - Efficiency ratio 5.40% above tier (higher cost structure)
- - Total Deposits: Bottom 8.0% in tier
- - Total Assets: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,380
+1.4% YoY+0.1% QoQ
|
-6.1K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$112.4M
+6.7% YoY-1.3% QoQ
|
$-119.5M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.1% in tier |
| Loans |
$71.0M
+10.4% YoY+1.0% QoQ
|
$-76.3M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$96.6M
+6.8% YoY-1.7% QoQ
|
$-104.2M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.0% in tier |
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| ROA |
0.8%
+13.9% YoY+11.9% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
4.9%
+0.1% YoY+1.8% QoQ
|
+1.3% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
82.4%
-1.4% YoY-0.8% QoQ
|
+5.4% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.7%
-13.3% YoY+59.9% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
73.5%
+3.4% YoY+2.8% QoQ
|
+1.3% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$17,870
+6.8% YoY-0.7% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
19.1%
+3.6% YoY+15.4% QoQ
|
-5.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)