| Metric | Valley Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +3.9% | +2.3 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | +8.0% | +2.9% | +5.1 pts |
| ROA | 0.46% | 0.69% | -0.2 pts |
| ROE | 3.3% | 5.9% | -2.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $111.3M | $96.8M | $37.9M | $15.6M | $128K | 0.46% | 2.97% | 0.27% | 6,075 |
| Q4 2025 | $110.4M | $95.7M | $37.7M | $15.4M | $542K | 0.49% | 2.82% | 0.32% | 6,032 |
| Q3 2025 | $108.8M | $94.4M | $37.2M | $15.4M | $436K | 0.53% | 2.80% | 0.22% | 6,007 |
| Q2 2025 | $105.6M | $91.8M | $36.6M | $15.2M | $295K | 0.56% | 2.79% | 0.09% | 5,968 |
| Q1 2025 | $104.8M | $91.3M | $35.1M | $15.1M | $140K | 0.54% | 2.70% | 0.34% | 5,912 |
| Q4 2024 | $103.2M | $90.5M | $35.1M | $14.9M | $440K | 0.43% | 2.58% | 0.35% | 5,887 |
| Q3 2024 | $103.1M | $89.4M | $35.0M | $14.8M | $325K | 0.42% | 2.54% | 0.29% | 5,857 |
| Q2 2024 | $102.8M | $90.2M | $34.8M | $14.7M | $218K | 0.42% | 2.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 5,824 |
Loan mix (Q1 2026): real estate $17.6M · commercial $0 · consumer $17.7M · securities $58.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.7% | 65th |
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.