Valley

Brownsville, TX · 1 · Charter #850 · www.vfcu.net
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$112.4M
53th percentile
Members
9,380
64th percentile
Total loans
$71.0M
59th percentile
Total shares
$96.6M
54th percentile

Profitability

Return on assets
1.20%
62th percentile
Net interest margin
4.93%
95th percentile
Efficiency ratio
74.01%
16th percentile
Non-interest income ratio
25.05%
83th percentile

Capital & Risk

Net worth ratio
13.20%
62th percentile
Delinquency rate
0.67%
53th percentile
Net charge-off rate
0.66%
21th percentile
Loan-to-share
73.50%
61th percentile

Growth

Member growth YoY
1.44%
74th percentile
Asset growth YoY
6.69%
74th percentile
Loan growth YoY
10.43%
88th percentile
Share growth YoY
6.77%
76th percentile

Operations

Members / branch
4,690
79th percentile
Assets / member
$11,983
28th percentile
Field of membership penetration
47.12%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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