Valley 1st Community

MONESSEN, PA · 1 · Charter #649 · WWW.VALLEY1ST.ORG
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
$103.3M
48th percentile
Members
7,327
48th percentile
Total loans
$56.9M
48th percentile
Total shares
$79.2M
41th percentile

Profitability

Return on assets
1.33%
69th percentile
Net interest margin
3.82%
59th percentile
Efficiency ratio
59.01%
62th percentile
Non-interest income ratio
15.30%
40th percentile

Capital & Risk

Net worth ratio
23.06%
98th percentile
Delinquency rate
0.51%
65th percentile
Net charge-off rate
0.67%
20th percentile
Loan-to-share
71.80%
57th percentile

Growth

Member growth YoY
0.11%
59th percentile
Asset growth YoY
5.93%
67th percentile
Loan growth YoY
6.50%
77th percentile
Share growth YoY
7.30%
78th percentile

Operations

Members / branch
3,664
63th percentile
Assets / member
$14,094
47th percentile
Field of membership penetration
0.98%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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