VALEX
Charter #6116 · Alexandria, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.04% sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 1.87% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.45% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 59.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 36th — a 36-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VALEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.73M | 86th pct | 52th pct |
| Members | 2,862 | 72th pct | 36th pct |
| Net worth ratio | 9.04% | 10th pct | 15th pct |
| Return on average assets | 1.87% | 93th pct | 98th pct |
| Net interest margin | 4.63% | 83th pct | 67th pct |
| Cost of funds | 0.86% | 51th pct | 41th pct |
| Loan-to-share | 75.59% | 78th pct | 64th pct |
| Delinquency 60+ days | 1.45% | 77th pct | 75th pct |
| Net charge-off ratio | 0.66% | 78th pct | 54th pct |
| Loan growth YoY | -6.84% | 18th pct | 5th pct |
| Share growth YoY | -1.33% | 16th pct | 18th pct |
| Efficiency ratio | 59.00% | 10th pct | 0th pct |
structural peer set hash: 56498d7b0fef9b1aa3bc4c72f411dc52… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.