Valley Agricultural

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

$4.8M

24^th percentile

Members

556

20^th percentile

Total loans

$2.2M

24^th percentile

Total shares

$4.3M

26^th percentile

Profitability

Return on assets

0.76%

48^th percentile

Net interest margin

4.72%

76^th percentile

Efficiency ratio

75.51%

32^th percentile

Non-interest income ratio

8.19%

46^th percentile

Capital & Risk

Net worth ratio

11.01%

23^th percentile

Delinquency rate

0.10%

77^th percentile

Net charge-off rate

1.19%

13^th percentile

Loan-to-share

51.02%

36^th percentile

Growth

Member growth YoY

-6.40%

12^th percentile

Asset growth YoY

-2.49%

27^th percentile

Loan growth YoY

-21.83%

5^th percentile

Share growth YoY

-3.18%

28^th percentile

Operations

Members / branch

278

12^th percentile

Assets / member

$8,674

45^th percentile

Field of membership penetration

55.60%

72^th percentile

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