Valley First

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

$1.1B

4^th percentile

Members

80,465

28^th percentile

Total loans

$776.4M

8^th percentile

Total shares

$854.0M

2^th percentile

Profitability

Return on assets

1.23%

67^th percentile

Net interest margin

3.61%

77^th percentile

Efficiency ratio

56.46%

29^th percentile

Non-interest income ratio

23.28%

79^th percentile

Capital & Risk

Net worth ratio

9.92%

31^th percentile

Delinquency rate

1.00%

28^th percentile

Net charge-off rate

1.23%

7^th percentile

Loan-to-share

90.91%

54^th percentile

Growth

Member growth YoY

1.87%

44^th percentile

Asset growth YoY

3.56%

30^th percentile

Loan growth YoY

8.48%

70^th percentile

Share growth YoY

4.69%

42^th percentile

Operations

Members / branch

10,058

74^th percentile

Assets / member

$13,221

9^th percentile

Field of membership penetration

1.34%

12^th percentile

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