State credit union · SALEM, Oregon · NCUA charter #64169
VALLEY
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $111.7M
- Total assets
- 6,107
- Members
- 13.0%
- Net-worth ratio
VALLEY scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $111.7M; members 6,107; net-worth ratio 12.95%; health rank #3,870 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,870 of 4,374 health · 2025Q4VALLEY · health 65/100 · $111.7M · 2025Q4
- MEM 65/100
- RANK 13.0%
- PHOTO 4.49%
- BOOK 0.21%
- CHARTER $111.7M
- NCUSIF 6,107
- CAMELS #3,870/4,374
- HEALTH Wichita Falls Teachers
- NW 64169
Call Report peers
VALLEY in the assets neighbourhood
VALLEY's $111.7M assets sit next to Wichita Falls Teachers ($111.7M) 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
65 11th percentile higher than 11% 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
Charter #64169's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for VALLEY
- Loan-to-Share Ratio leads the peer set - 81.39% here, 72.20% peer average (+9.19 pp).
- Delinquency Rate trails the peer set - 4.49% here, 0.89% peer average (+3.59 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Oregon standing for VALLEY
- Health composite ranks #45 of 48 among scored Oregon credit unions.
- Oregon assets place: #29 of 48.
- Oregon membership ordinal: #31 of 48.
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VALLEY Call Report trajectory
VALLEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.7% from $111.7M (2025Q4) to $117.0M (2026Q1).
- Net-worth ratio shifted -0.44 pp (13.39% → 12.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 10.6 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 15.4 pts
VALLEY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.95% | +0.84 pp |
| Delinquency Rate | 4.49% | +3.59 pp |
| Return on Assets | 0.21% | -0.42 pp |
| Member Growth | -0.02% | - |
| Loan-to-Share Ratio | 81.39% | +9.19 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 | $117.0M | - |
| 2025Q4 | $111.7M | 6,107 |
| 2024Q4 | $116.2M | 6,108 |
| 2023Q4 | $109.5M | 6,016 |
Credit Union Details
- Charter Number
- 64169
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- SALEM
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, VALLEY runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Vital Records (Main Office) | Salem, OR |
| Main Branch | Salem, OR |
| Disaster Recovery | Troy, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
Other federally-insured credit unions in Oregon, closest first by peer group and asset size.
Cross-state Call Report peers for VALLEY
VALLEY's nationwide photo peers by assets and by health score, excluding Oregon charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($111.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- VALLEY ranks #3,870 of 4,374 nationally on financial health and #45 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ibew & United Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ibew & United Workers
- Rates and health both vary by institution, not just by state -- see how Oregon credit unions compare overall before assuming this one is typical. Oregon 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?
Yes/no aside, the number is 65/100 (Good) - VALLEY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,870 of 4,374; by total assets it ranks #1,736 of 4,374 nationally (same basis as /rankings/largest); and #29 of 48 within Oregon. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.95% net worth ratio and 4.49% delinquency rate are the key drivers.
How does VALLEY compare to other credit unions?
VALLEY scores 65/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 VALLEY?
Membership eligibility for VALLEY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VALLEY directly for current membership requirements and application steps.
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 12.95% 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.