Valley One Community
Steubenville, OH · Charter 16756 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$42.2MAssets
$8.5MLoans
$37.4MShares
$5.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of credit unions under $1B in assets (rank 296 of 1682).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1534 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.64%
Rank 958 of 1,683
Net Interest Margin
2.82%
Rank 1,534 of 1,683
Efficiency Ratio
78.84%
Rank 873 of 1,682
Equity / Assets
12.17%
Rank 965 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 43% | 958 / 1,683 | | |
| Return on Equity | 5.29% | 2.67% | 5.89% | 8.74% | Beats 45% | 928 / 1,681 | | |
| Net Interest Margin | 2.82% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,534 / 1,683 | | |
| Efficiency Ratio | 78.84% | 68.91% | 78.20% | 86.93% | Beats 48% | 873 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 82% | 296 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.17% | 10.44% | 12.89% | 16.53% | Beats 43% | 965 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.17% | 10.44% | 12.89% | 16.53% | Beats 43% | 965 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 22.81% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,639 / 1,683 | | |
| Loans / Assets | 20.18% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,632 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |