Valley Educators

Alamosa, CO · 2 · Charter #63468 · WWW.ITSME247.COM
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.0M
29th percentile
Members
1,008
37th percentile
Total loans
$4.6M
41th percentile
Total shares
$4.2M
26th percentile

Profitability

Return on assets
1.18%
67th percentile
Net interest margin
6.42%
97th percentile
Efficiency ratio
77.50%
28th percentile
Non-interest income ratio
7.42%
43th percentile

Capital & Risk

Net worth ratio
22.47%
81th percentile
Delinquency rate
4.53%
8th percentile
Net charge-off rate
0.36%
40th percentile
Loan-to-share
111.31%
97th percentile

Growth

Member growth YoY
-1.47%
49th percentile
Asset growth YoY
-9.67%
6th percentile
Loan growth YoY
1.43%
68th percentile
Share growth YoY
-14.71%
3th percentile

Operations

Members / branch
1,008
47th percentile
Assets / member
$5,982
23th percentile
Field of membership penetration
16.66%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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