Valleystar

Martinsville, VA · 2 · Charter #66924 · www.valleystar.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$540.3M
63th percentile
Members
36,551
69th percentile
Total loans
$373.9M
64th percentile
Total shares
$379.8M
50th percentile

Profitability

Return on assets
-0.52%
1th percentile
Net interest margin
3.77%
71th percentile
Efficiency ratio
77.29%
2th percentile
Non-interest income ratio
19.24%
52th percentile

Capital & Risk

Net worth ratio
10.04%
36th percentile
Delinquency rate
1.26%
18th percentile
Net charge-off rate
1.23%
8th percentile
Loan-to-share
98.44%
90th percentile

Growth

Member growth YoY
-4.39%
11th percentile
Asset growth YoY
-7.77%
1th percentile
Loan growth YoY
-15.32%
1th percentile
Share growth YoY
-7.28%
1th percentile

Operations

Members / branch
6,092
74th percentile
Assets / member
$14,783
37th percentile
Field of membership penetration
1.46%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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