Valley
Salem, OR · Charter 64169 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$118.6MAssets
$77.9MLoans
$103.1MShares
$15.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 72% of credit unions under $1B in assets (rank 470 of 1682).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets (rank 1627 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.35%
Rank 1,261 of 1,683
Net Interest Margin
3.92%
Rank 735 of 1,683
Efficiency Ratio
70.38%
Rank 470 of 1,682
Equity / Assets
12.79%
Rank 859 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,261 / 1,683 | | |
| Return on Equity | 2.77% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,243 / 1,681 | | |
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 735 / 1,683 | | |
| Efficiency Ratio | 70.38% | 68.91% | 78.20% | 86.93% | Beats 72% | 470 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.22% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,627 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.79% | 10.44% | 12.89% | 16.53% | Beats 49% | 859 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.79% | 10.44% | 12.89% | 16.53% | Beats 49% | 859 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.56% | 52.61% | 69.38% | 83.50% | 61st pctl | 662 / 1,683 | | |
| Loans / Assets | 65.70% | 44.71% | 59.18% | 70.72% | 64th pctl | 612 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |