Valley Communities

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$296.0M

14^th percentile

Members

16,069

12^th percentile

Total loans

$157.7M

7^th percentile

Total shares

$254.7M

15^th percentile

Profitability

Return on assets

0.94%

46^th percentile

Net interest margin

3.58%

59^th percentile

Efficiency ratio

61.09%

40^th percentile

Non-interest income ratio

10.67%

8^th percentile

Capital & Risk

Net worth ratio

12.98%

76^th percentile

Delinquency rate

0.19%

93^th percentile

Net charge-off rate

0.12%

86^th percentile

Loan-to-share

61.90%

15^th percentile

Growth

Member growth YoY

4.47%

87^th percentile

Asset growth YoY

18.41%

98^th percentile

Loan growth YoY

12.61%

89^th percentile

Share growth YoY

17.85%

98^th percentile

Operations

Members / branch

2,296

6^th percentile

Assets / member

$18,422

67^th percentile

Field of membership penetration

3.04%

39^th percentile

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