Federal credit union · Green River, Wyoming · NCUA charter #15741
Trona Valley Community
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $449.9M
- Total assets
- 30,772
- Members
- 13.9%
- Net-worth ratio
Trona Valley Community scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $449.9M; members 30,772; net-worth ratio 13.86%; health rank #351 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#351 of 4,374 health · 2025Q4Trona Valley Community · health 95/100 · $449.9M · 2025Q4
- RANK 95/100
- PHOTO 13.9%
- BOOK 0.85%
- CHARTER 1.45%
- NCUSIF $449.9M
- CAMELS 30,772
- HEALTH #351/4,374
- NW Cascade Community
- DELQ 15741
Call Report peers
Trona Valley Community in the assets neighbourhood
Trona Valley Community's $449.9M assets sit next to Cascade Community ($449.7M) 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.
Trona Valley Community 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
95 Top 10% higher than 90% 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
Trona Valley Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15741. See our deposit-insurance coverage note.
Trona Valley Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 83.45% here, 72.20% peer average (+11.25 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Trona Valley Community sits in Wyoming
- Health composite ranks #4 of 18 among scored Wyoming credit unions.
- Wyoming assets place: #4 of 18.
- Member book place in Wyoming: #4 of 18.
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Trona Valley Community: 2025Q4 → 2026Q1
Trona Valley Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $449.9M (2025Q4) to $467.6M (2026Q1).
- Net-worth ratio shifted -0.24 pp (14.10% → 13.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Trona Valley Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.86% | +1.75 pp |
| Delinquency Rate | 0.85% | -0.05 pp |
| Return on Assets | 1.45% | +0.83 pp |
| Member Growth | 3.79% | - |
| Loan-to-Share Ratio | 83.45% | +11.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Trona Valley Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $467.6M | - |
| 2025Q4 | $449.9M | 30,772 |
| 2024Q4 | $416.1M | 29,648 |
| 2023Q4 | $392.7M | 27,790 |
Credit Union Details
- Charter Number
- 15741
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Wyoming
- City
- Green River
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Trona Valley Community, spread across 4 cities.
| Office | City |
|---|---|
| Trona Valley CFCU - Main Office (Main Office) | Green River, WY |
| Trona Valley CFCU - Evanston Branch | Evanston, WY |
| Trona Valley CFCU - Mt View Branch | Mountain View, WY |
| TRONA VALLEY CFCU - FOOTHILL BRANCH | ROCK SPRINGS, WY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
A look at other Wyoming credit unions, ranked by how closely their peer group and asset size match this one.
Trona Valley Community nationwide neighbourhoods
Two NCUA Call Report peer sets for Trona Valley Community, both outside Wyoming so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($449.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Trona Valley Community ranks #351 of 4,374 nationally on financial health and #4 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WYHY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WYHY
- Rates and health both vary by institution, not just by state -- see how Wyoming credit unions compare overall before assuming this one is typical. Wyoming 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 Trona Valley Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Trona Valley Community carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #351 of 4,374; by total assets it ranks #798 of 4,374 nationally (same basis as /rankings/largest); and #4 of 18 within Wyoming. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.86% net worth ratio and a 0.85% delinquency rate.
How does Trona Valley Community compare to other credit unions?
Trona Valley Community scores 95/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Trona Valley Community?
Trona Valley Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Trona Valley Community directly for the exact boundaries and application steps.
Is my money safe at Trona Valley Community?
Federal credit unions like Trona Valley Community 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. Trona Valley Community's net worth ratio of 13.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Trona Valley Community offer compared to banks?
Credit unions like Trona Valley Community 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 Trona Valley Community 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.