Valley

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

$110.4M

52^th percentile

Members

6,032

35^th percentile

Total loans

$37.7M

24^th percentile

Total shares

$95.7M

53^th percentile

Profitability

Return on assets

0.59%

22^th percentile

Net interest margin

2.82%

12^th percentile

Efficiency ratio

61.74%

53^th percentile

Non-interest income ratio

16.05%

44^th percentile

Capital & Risk

Net worth ratio

13.99%

69^th percentile

Delinquency rate

0.32%

78^th percentile

Net charge-off rate

0.19%

68^th percentile

Loan-to-share

39.33%

8^th percentile

Growth

Member growth YoY

2.46%

83^th percentile

Asset growth YoY

6.92%

75^th percentile

Loan growth YoY

7.26%

79^th percentile

Share growth YoY

5.82%

70^th percentile

Operations

Members / branch

862

1^th percentile

Assets / member

$18,299

77^th percentile

Field of membership penetration

2.19%

30^th percentile

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