State credit union · ELIZABETHTON, Tennessee · NCUA charter #68097
Happy Valley
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $36.6M
- Total assets
- 3,228
- Members
- 18.2%
- Net-worth ratio
Happy Valley scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.6M; members 3,228; net-worth ratio 18.21%; health rank #2,216 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,216 of 4,374 health · 2025Q4Happy Valley · health 83/100 · $36.6M · 2025Q4
- RANK 83/100
- PHOTO 18.2%
- BOOK 0.31%
- CHARTER 1.07%
- NCUSIF $36.6M
- CAMELS 3,228
- HEALTH #2,216/4,374
- NW Softite Community
- DELQ 68097
Call Report peers
Happy Valley in the assets neighbourhood
Happy Valley's $36.6M assets sit next to Softite Community ($36.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Happy Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Happy Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68097, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Happy Valley
- Largest favorable gap: Net Worth Ratio at 18.21% vs peer 14.86% (+3.35 pp).
- Loan-to-Share Ratio trails the peer set - 32.10% here, 59.80% peer average (-27.70 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Happy Valley in Tennessee
- In Tennessee, health place is #66 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #75 of 127.
- Tennessee membership ordinal: #69 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Happy Valley's 5300 filing moved
Happy Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $36.6M (2025Q4) to $36.4M (2026Q1).
- Net-worth ratio shifted +0.34 pp (17.87% → 18.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 8.7 pts
Call Report ratios for Happy Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.21% | +3.35 pp |
| Delinquency Rate | 0.31% | -0.84 pp |
| Return on Assets | 1.07% | +0.36 pp |
| Member Growth | -2.62% | - |
| Loan-to-Share Ratio | 32.10% | -27.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.4M | - |
| 2025Q4 | $36.6M | 3,228 |
| 2024Q4 | $36.9M | 3,315 |
| 2023Q4 | $37.3M | 3,567 |
Credit Union Details
- Charter Number
- 68097
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- ELIZABETHTON
- Data Quarter
- 2025Q4
Branch Locations (4)
Happy Valley operates 4 offices across 3 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Happy Valley Credit Union (Main Office) | Elizabethton, TN |
| HP | ALPHARETTA, GA |
| Citizens Bank | Elizabethton, TN |
| FISERV SUMMIT | LEWISVILLE, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Happy Valley
Cross-state asset and health neighbours for Happy Valley - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Happy Valley ranks #2,216 of 4,374 nationally on financial health and #66 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Knoxville Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Knoxville Firefighters
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Happy Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Happy Valley carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,216 of 4,374; by total assets it ranks #2,684 of 4,374 nationally (same basis as /rankings/largest); and #75 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.21% net worth ratio and a 0.31% delinquency rate.
How does Happy Valley compare to other credit unions?
On PlainCU's health composite, Happy Valley lands at 83/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Happy Valley?
Membership eligibility for Happy Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Happy Valley directly for current membership requirements and application steps.
Is my money safe at Happy Valley?
Federal credit unions like Happy Valley are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Happy Valley's net worth ratio of 18.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Happy Valley offer compared to banks?
Credit unions like Happy Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Happy Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.