BlastPoint's Credit Union Scorecard
VALLEY
Charter #850 · TX
VALLEY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 24.6% in tier
- + Organic Growth Engine: Top 24.9% in tier
- + Wallet Share Momentum: Top 53.8% in tier
- + Emerging Performer: Top 97.4% in tier
- + Net Interest Margin 1.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 5.8% in tier
- + Loan Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 16.3% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 5.84% above tier (higher cost structure)
- - Total Deposits: Bottom 9.4% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,371
+1.3% YoY+0.5% QoQ
|
-6.3K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$113.8M
+5.2% YoY+0.8% QoQ
|
$-117.5M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.5% in tier |
| Loans |
$70.3M
+14.5% YoY+1.8% QoQ
|
$-77.5M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$98.3M
+4.9% YoY+0.8% QoQ
|
$-102.0M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+38.1% YoY+36.1% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
4.8%
+2.0% YoY+0.4% QoQ
|
+1.2% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
83.1%
-3.8% YoY-0.5% QoQ
|
+5.8% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.4%
-26.7% YoY+27.3% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
71.5%
+9.2% YoY+1.0% QoQ
|
-1.2% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$17,989
+7.3% YoY+0.7% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
16.6%
-6.0% YoY-8.3% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)