Valley Strong
Bakersfield, CA · Charter 68712 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 31 branches
Q2 2026
$4.1BAssets
$2.9BLoans
$3.7BShares
$378.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 74% of credit unions $1B-$10B in assets (rank 112 of 435).
- Widest gap: nonperforming loans / loans trails 96% of credit unions $1B-$10B in assets (rank 417 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.77%
Rank 238 of 435
Net Interest Margin
3.74%
Rank 112 of 435
Efficiency Ratio
70.89%
Rank 204 of 435
Equity / Assets
9.27%
Rank 370 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.55% | 0.81% | 1.14% | Beats 45% | 238 / 435 | | |
| Return on Equity | 8.26% | 5.12% | 7.41% | 9.70% | Beats 60% | 174 / 435 | | |
| Net Interest Margin | 3.74% | 3.01% | 3.39% | 3.75% | Beats 74% | 112 / 435 | | |
| Efficiency Ratio | 70.89% | 65.25% | 71.39% | 77.86% | Beats 53% | 204 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.94% | 0.45% | 0.69% | 1.05% | Beats 4% | 417 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.27% | 9.81% | 10.84% | 12.63% | Beats 15% | 370 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.27% | 9.81% | 10.84% | 12.63% | Beats 15% | 370 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.19% | 78.33% | 88.38% | 95.61% | 27th pctl | 318 / 435 | | |
| Loans / Assets | 70.82% | 67.69% | 74.58% | 80.80% | 35th pctl | 281 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |