Valley Isle Community

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

$173.2M

81^th percentile

Members

12,847

83^th percentile

Total loans

$60.8M

51^th percentile

Total shares

$160.3M

85^th percentile

Profitability

Return on assets

0.75%

31^th percentile

Net interest margin

2.94%

16^th percentile

Efficiency ratio

63.62%

48^th percentile

Non-interest income ratio

21.86%

73^th percentile

Capital & Risk

Net worth ratio

8.97%

11^th percentile

Delinquency rate

0.31%

79^th percentile

Net charge-off rate

0.47%

36^th percentile

Loan-to-share

37.93%

7^th percentile

Growth

Member growth YoY

-0.74%

48^th percentile

Asset growth YoY

10.54%

90^th percentile

Loan growth YoY

1.73%

53^th percentile

Share growth YoY

9.11%

86^th percentile

Operations

Members / branch

4,282

74^th percentile

Assets / member

$13,485

42^th percentile

Field of membership penetration

7.83%

54^th percentile

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