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
- DELQ 94/100
- ROA 12.6%
- ASSETS 0.67%
- MEM 0.63%
- RANK $112.4M
- PHOTO 9,380
- BOOK #496/4,374
- CHARTER L G & W
- NCUSIF 850
Call Report peers
VALLEY in the assets neighbourhood
VALLEY's $112.4M assets sit next to L G & W ($112.5M) 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.
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
94 Top 13% higher than 87% 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
VALLEY - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #850. See our deposit-insurance coverage note.
Peer-gap read for VALLEY
- Loan-to-Share Ratio leads the peer set - 73.50% here, 72.20% peer average (+1.30 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for VALLEY
VALLEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.7% from $112.4M (2025Q4) to $118.8M (2026Q1).
- Net-worth ratio shifted -0.62 pp (13.20% → 12.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
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).
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
VALLEY's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($112.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 VALLEY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, VALLEY carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #496 of 4,374; by total assets it ranks #1,731 of 4,374 nationally (same basis as /rankings/largest); and #138 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.58% net worth ratio and a 0.67% delinquency rate.
How does VALLEY compare to other credit unions?
94/100 is VALLEY's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like 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. VALLEY's net worth ratio of 12.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VALLEY offer compared to banks?
Credit unions like 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 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.