Valley One Community

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

$40.4M

90^th percentile

Members

3,690

92^th percentile

Total loans

$9.0M

62^th percentile

Total shares

$35.7M

92^th percentile

Profitability

Return on assets

0.75%

48^th percentile

Net interest margin

2.83%

15^th percentile

Efficiency ratio

68.54%

46^th percentile

Non-interest income ratio

13.29%

64^th percentile

Capital & Risk

Net worth ratio

12.40%

33^th percentile

Delinquency rate

1.04%

40^th percentile

Net charge-off rate

0.15%

55^th percentile

Loan-to-share

25.29%

8^th percentile

Growth

Member growth YoY

-1.84%

45^th percentile

Asset growth YoY

6.36%

81^th percentile

Loan growth YoY

-4.27%

45^th percentile

Share growth YoY

6.45%

82^th percentile

Operations

Members / branch

3,690

96^th percentile

Assets / member

$10,938

64^th percentile

Field of membership penetration

36.90%

51^th percentile

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