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
Call Report peers
VALEX in the assets neighbourhood
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VALEX vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VALEX sits in 60-64 with 179 others.
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
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%).
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.
- One place up in Louisiana, N.O. Port Commission Employees (#111) ties at 63/100; one place down, CUSA (#113) scores 62/100, 1 point lower.
Quarter path for VALEX
VALEX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $41.2M (2025Q4) to $41.7M (2026Q1).
- Net-worth ratio shifted +0.36 pp (8.68% → 9.04%).
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
VALEX gives up 37 points in total. Delinquency Rate costs the most, 14.3 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is VALEX financially healthy?
VALEX has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,957 of 4,374 nationally on health and #112 of 138 in Louisiana. Its net worth ratio is 9.04% and its delinquency rate 2.30%.
How does VALEX compare to other credit unions?
VALEX scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.03% vs 59.80%). Its widest shortfall is net worth ratio (9.04% vs 14.86%).
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?
VALEX is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.