Federal credit union · MONESSEN, Pennsylvania · NCUA charter #649
Valley 1st Community
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $103.3M
- Total assets
- 7,327
- Members
- 21.0%
- Net-worth ratio
Valley 1st Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #649 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Valley 1st Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 21.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.01% | 30% |
| Delinquency Rate | 0.51% | 25% |
| Return on Assets | 0.79% | 15% |
| Member Growth | 0.11% | 15% |
| Loan-to-Share Ratio | 71.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $103.3M | 7,327 |
| 2024Q4 | $97.5M | 7,319 |
| 2023Q4 | $99.9M | 7,074 |
Credit Union Details
- Charter Number
- 649
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- MONESSEN
- Data Quarter
- 2025Q4
What This Data Says About Valley 1st Community
Valley 1st Community is a federal credit union headquartered in MONESSEN, Pennsylvania, serving 7,327 members with $103.3M in total assets and $56.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 94/100 (Excellent), anchored by a net worth ratio of 21.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #649 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.51% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 71.80% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.79% on net income of $819K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.11%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Valley 1st Community financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - Valley 1st Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.01% net worth ratio and 0.51% delinquency rate are the key drivers.
How does Valley 1st Community compare to other credit unions?
On PlainCU's health composite, Valley 1st Community lands at 94/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Valley 1st Community?
Valley 1st 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 Valley 1st Community directly for the exact boundaries and application steps.
Is my money safe at Valley 1st Community?
Federal credit unions like Valley 1st 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. Valley 1st Community's net worth ratio of 21.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley 1st Community offer compared to banks?
Credit unions like Valley 1st 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 Valley 1st Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.