Federal credit union · Brownsville, Texas · NCUA charter #850
VALLEY
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $112.4M
- Total assets
- 9,380
- Members
- 12.6%
- Net-worth ratio
VALLEY scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $112.4M; members 9,380; net-worth ratio 12.58%; health rank #496 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#496 of 4,374 health · 2025Q4VALLEY · health 94/100 · $112.4M · 2025Q4
Call Report peers
VALLEY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VALLEY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VALLEY sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for VALLEY
- Loan-to-Share Ratio leads the peer set - 73.50% here, 72.20% peer average (+1.30 pp).
VALLEY in Texas
- Texas health ordinal: #48 of 386.
- By total assets, VALLEY is #138 of 386 in Texas.
- Texas membership ordinal: #133 of 386.
- One place up in Texas, Complex Community (#47) ties at 94/100; one place down, American Airlines (#49) ties at 94/100.
Quarter path for VALLEY
VALLEY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.7% from $112.4M (2025Q4) to $118.8M (2026Q1).
- Net-worth ratio shifted -0.62 pp (13.20% → 12.58%).
At 12.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
VALLEY gives up 6 points in total. Member Growth costs the most, 4.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 15.0 pts
VALLEY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.58% | +0.47 pp |
| Delinquency Rate | 0.67% | -0.22 pp |
| Return on Assets | 0.63% | +0.01 pp |
| Member Growth | 1.44% | - |
| Loan-to-Share Ratio | 73.50% | +1.30 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - VALLEY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $118.8M | - |
| 2025Q4 | $112.4M | 9,380 |
| 2024Q4 | $105.3M | 9,247 |
| 2023Q4 | $101.9M | 9,346 |
Credit Union Details
- Charter Number
- 850
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Brownsville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for VALLEY, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Brownsville, TX |
| Harlingen Branch | Harlingen, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
VALLEY nationwide neighbourhoods
Using this data
- VALLEY ranks #496 of 4,374 nationally on financial health and #48 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southwest 66 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southwest 66
Frequently Asked Questions
Is VALLEY financially healthy?
On its 2025Q4 NCUA 5300 filing, VALLEY scores 94/100 (Excellent), with a 12.58% net worth ratio and 0.67% of loans delinquent. It ranks #496 of 4,374 nationally on health and #48 of 386 in Texas.
How does VALLEY compare to other credit unions?
VALLEY scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.50% vs 72.20%).
How can I join VALLEY?
VALLEY 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 VALLEY directly for the current list of qualifying groups.
Is my money safe at VALLEY?
VALLEY 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. VALLEY's net worth ratio of 12.58% 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.