Valley

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$111.7M

53^th percentile

Members

6,107

35^th percentile

Total loans

$79.1M

64^th percentile

Total shares

$97.2M

54^th percentile

Profitability

Return on assets

1.66%

83^th percentile

Net interest margin

4.17%

78^th percentile

Efficiency ratio

47.80%

86^th percentile

Non-interest income ratio

12.55%

27^th percentile

Capital & Risk

Net worth ratio

13.39%

64^th percentile

Delinquency rate

4.49%

1^th percentile

Net charge-off rate

1.12%

10^th percentile

Loan-to-share

81.39%

74^th percentile

Growth

Member growth YoY

-0.02%

58^th percentile

Asset growth YoY

-3.86%

5^th percentile

Loan growth YoY

-7.01%

11^th percentile

Share growth YoY

-2.82%

9^th percentile

Operations

Members / branch

—

no peer data

Assets / member

$18,292

77^th percentile

Field of membership penetration

0.89%

13^th percentile

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