Valex

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

$41.2M

91^th percentile

Members

2,899

83^th percentile

Total loans

$29.3M

98^th percentile

Total shares

$38.0M

95^th percentile

Profitability

Return on assets

1.34%

74^th percentile

Net interest margin

4.40%

66^th percentile

Efficiency ratio

61.01%

62^th percentile

Non-interest income ratio

13.11%

63^th percentile

Capital & Risk

Net worth ratio

8.68%

8^th percentile

Delinquency rate

2.30%

21^th percentile

Net charge-off rate

1.30%

12^th percentile

Loan-to-share

77.03%

72^th percentile

Growth

Member growth YoY

-3.01%

33^th percentile

Asset growth YoY

-3.76%

21^th percentile

Loan growth YoY

-14.26%

13^th percentile

Share growth YoY

7.49%

86^th percentile

Operations

Members / branch

966

45^th percentile

Assets / member

$14,220

82^th percentile

Field of membership penetration

44.60%

60^th percentile

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