| Metric | Valley Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | -8.7% | +2.9% | -11.6 pts |
| ROA | 0.67% | 0.69% | -0.0 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 2.37% | 6,153 |
| Q2 2024 | $112.5M | $97.3M | $85.8M | $14.3M | $355K | 0.63% | 3.78% |
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.36% |
| 6,072 |
Loan mix (Q1 2026): real estate $33.0M · commercial $7.8M · consumer $28.8M · securities $26.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 78.7% | 21th |
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 |
|---|---|---|---|---|
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.