| Metric | Valley Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.1% | +3.3 pts |
| Share growth (YoY) | +7.5% | +3.5% | +3.9 pts |
| Loan growth (YoY) | -6.5% | +2.9% | -9.4 pts |
| ROA | 0.35% | 0.74% | -0.4 pts |
| ROE | 2.8% | 6.5% | -3.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.6M | $103.1M | $77.9M | $15.2M | $210K | 0.35% | 3.92% | 5.22% | 6,114 |
| Q1 2026 | $117.0M | $101.4M | $76.1M | $15.1M | $195K | 0.67% | 3.76% | 4.42% | 6,114 |
| Q4 2025 | $111.7M | $97.2M | $79.1M | $15.0M | $847K | 0.76% | 4.17% | 4.49% | 6,107 |
| Q3 2025 | $111.5M | $95.9M | $81.1M | $15.0M | $865K | 1.03% | 4.24% | 4.03% | 6,094 |
| Q2 2025 | $110.5M | $96.0M | $83.3M | $14.5M | $345K | 0.63% | 4.20% | 4.31% | 6,088 |
| Q1 2025 | $115.7M | $101.1M | $83.3M | $14.4M | $242K | 0.84% | 3.89% | 3.37% | 6,093 |
| Q4 2024 | $116.2M | $100.0M | $85.1M | $14.1M | $230K | 0.20% | 3.77% | 3.03% | 6,108 |
| Q3 2024 | $116.9M | $100.2M | $84.7M | $14.4M | $442K | 0.50% | 3.70% |
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.74% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 6.5% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.37% |
| 6,153 |
| Q2 2024 | $112.5M | $97.3M | $85.8M | $14.3M | $355K | 0.63% | 3.78% | 2.36% | 6,072 |
Loan mix (Q2 2026): real estate $33.6M · commercial $10.2M · consumer $27.4M · securities $28.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 77.5% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (-1 vs 2025). Biggest market: Marion, OR, ranked 17th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, OR | 1 | $103.1M* | 1.05% | 17th |
Oregon: 67th with 0.07% · Salem metro: 18th, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 1