| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.1% | +4.8% | -14.8 pts |
| Share growth (YoY) | -10.6% | +4.3% | -14.9 pts |
| Loan growth (YoY) | -15.1% | +4.3% | -19.4 pts |
| ROA | -1.31% | 0.62% | -1.9 pts |
| ROE | -12.9% | 5.9% | -18.8 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $518.0M | $412.0M | $353.4M | $52.6M | $-1.7M | -1.31% | 3.50% | 1.08% | 36,271 |
| Q4 2025 | $540.3M | $433.3M | $373.9M | $54.3M | $-3.0M | -0.55% | 3.77% | 1.26% | 36,551 |
| Q3 2025 | $545.9M | $437.4M | $387.6M | $55.5M | $-2.3M | -0.55% | 3.79% | 1.00% | 37,245 |
| Q2 2025 | $562.4M | $450.0M | $400.7M | $57.8M | $-1.4M | -0.50% | 3.69% | 0.92% | 37,547 |
| Q1 2025 | $576.0M | $461.0M | $416.0M | $56.0M | $-1.7M | -1.21% | 3.62% | 1.44% | 37,871 |
| Q4 2024 | $585.9M | $469.1M | $441.5M | $58.4M | $-7.9M | -1.35% | 4.13% | 1.95% | 38,231 |
| Q3 2024 | $600.2M | $477.5M | $456.3M | $60.7M | $-6.1M | -1.35% | 4.12% | 1.40% | 37,784 |
| Q2 2024 | $601.5M | $499.6M | $472.9M | $63.5M | $-3.3M | -1.09% |
| Ratio | Valleystar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.31% | 0.62% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -12.9% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 4.21% |
| 1.32% |
| 45,638 |
Loan mix (Q1 2026): real estate $134.5M · commercial $136.3M · consumer $78.9M · securities $123.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.2% | 78.3% | 100th |
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 | Valleystar 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 | Valleystar 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 | Valleystar 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 | Valleystar 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.