Valley Strong

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$4.0B

77^th percentile

Members

353,871

91^th percentile

Total loans

$2.8B

75^th percentile

Total shares

$3.6B

81^th percentile

Profitability

Return on assets

1.25%

68^th percentile

Net interest margin

3.64%

79^th percentile

Efficiency ratio

60.07%

17^th percentile

Non-interest income ratio

21.68%

72^th percentile

Capital & Risk

Net worth ratio

9.23%

16^th percentile

Delinquency rate

2.01%

4^th percentile

Net charge-off rate

0.87%

20^th percentile

Loan-to-share

78.43%

26^th percentile

Growth

Member growth YoY

4.76%

75^th percentile

Asset growth YoY

2.35%

23^th percentile

Loan growth YoY

-2.24%

11^th percentile

Share growth YoY

7.48%

68^th percentile

Operations

Members / branch

11,796

83^th percentile

Assets / member

$11,328

2^th percentile

Field of membership penetration

18.33%

80^th percentile

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