Federal credit union · Alexandria, Louisiana · NCUA charter #6116
VALEX
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $41.2M
- Total assets
- 2,899
- Members
- 9.0%
- Net-worth ratio
VALEX scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.2M; members 2,899; net-worth ratio 9.04%; health rank #3,957 of 4,374; healthier than 9th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,957 of 4,374 health · 2025Q4VALEX · health 63/100 · $41.2M · 2025Q4
- NW 63/100
- DELQ 9.0%
- ROA 2.30%
- ASSETS 0.04%
- MEM $41.2M
- RANK 2,899
- PHOTO #3,957/4,374
- BOOK Pee Dee
- CHARTER 6116
Call Report peers
VALEX in the assets neighbourhood
VALEX's $41.2M assets sit next to Pee Dee ($41.2M) 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.
VALEX 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
63 9th percentile higher than 9% 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
VALEX - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6116 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for VALEX
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +17.23 pp (77.03% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -5.82 pp (9.04% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
VALEX in Louisiana
- Health composite ranks #112 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #55 of 138.
- Member book place in Louisiana: #62 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for VALEX
VALEX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $41.2M (2025Q4) to $41.7M (2026Q1).
- Net-worth ratio shifted +0.36 pp (8.68% → 9.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 10.7 pts
- Return on Assets 6.2 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 14.9 pts
VALEX health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.04% | -5.82 pp |
| Delinquency Rate | 2.30% | +1.15 pp |
| Return on Assets | 0.04% | -0.67 pp |
| Member Growth | -3.01% | - |
| Loan-to-Share Ratio | 77.03% | +17.23 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 | $41.7M | - |
| 2025Q4 | $41.2M | 2,899 |
| 2024Q4 | $42.8M | 2,989 |
| 2023Q4 | $42.7M | 3,020 |
Credit Union Details
- Charter Number
- 6116
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Alexandria
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, VALEX runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Jackson Street (Main Office) | Alexandria, LA |
| Disaster Recovery/CenlaFCU | Alexandria, LA |
| VA OFFICE | Pineville, LA |
| Storage Building | Pineville, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near VALEX
VALEX's nationwide photo peers by assets and by health score, excluding Louisiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- VALEX ranks #3,957 of 4,374 nationally on financial health and #112 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- River Region is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with River Region
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana 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 VALEX financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, VALEX carries a financial health score of 63/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,957 of 4,374; by total assets it ranks #2,577 of 4,374 nationally (same basis as /rankings/largest); and #55 of 138 within Louisiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.04% net worth ratio and a 2.30% delinquency rate.
How does VALEX compare to other credit unions?
VALEX scores 63/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 VALEX?
VALEX serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact VALEX directly for the current list of qualifying groups.
Is my money safe at VALEX?
Federal credit unions like VALEX 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. VALEX's net worth ratio of 9.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VALEX offer compared to banks?
Credit unions like VALEX 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 VALEX 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.