VALLEY
Charter #64169 · Salem, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,114 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 12.95% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.45% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.42% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.66% sits at the 98th percentile of structural peers — worth a closer look.
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 | VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $116.95M | 11th pct | 10th pct |
| Members | 6,114 | 7th pct | 8th pct |
| Net worth ratio | 12.95% | 69th pct | 75th pct |
| Return on average assets | 0.68% | 48th pct | 36th pct |
| Net interest margin | 3.85% | 63th pct | 59th pct |
| Cost of funds | 0.45% | 18th pct | 21th pct |
| Loan-to-share | 75.04% | 56th pct | 56th pct |
| Delinquency 60+ days | 4.42% | 100th pct | 98th pct |
| Net charge-off ratio | 1.66% | 97th pct | 98th pct |
| Loan growth YoY | -6.13% | 4th pct | 2th pct |
| Share growth YoY | 5.77% | 78th pct | 85th pct |
| Efficiency ratio | 67.91% | 21th pct | 21th pct |
structural peer set hash: 627c83c0413b1fd3d3f73e92b4d3527e… (reproducible)
Closest structural peers
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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.