VALLEYSTAR
Charter #66924 · Martinsville, VA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.28% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 0.80% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.81% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 113.24% sits at the 97th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 67th — a 22-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 | VALLEYSTAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $517.96M | 6th pct | 10th pct |
| Members | 36,271 | 35th pct | 43th pct |
| Net worth ratio | 10.15% | 45th pct | 67th pct |
| Return on average assets | -1.28% | 0th pct | 0th pct |
| Net interest margin | 3.43% | 43th pct | 48th pct |
| Cost of funds | 0.80% | 18th pct | 10th pct |
| Loan-to-share | 85.76% | 65th pct | 49th pct |
| Delinquency 60+ days | 1.08% | 82th pct | 69th pct |
| Net charge-off ratio | 0.81% | 78th pct | 82th pct |
| Loan growth YoY | -8.83% | 0th pct | 0th pct |
| Share growth YoY | -5.80% | 0th pct | 2th pct |
| Efficiency ratio | 113.24% | 100th pct | 97th pct |
structural peer set hash: f569ff958ef557d3660ecb490a24be95… (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.