State credit union · Mosinee, Wisconsin · NCUA charter #66430
Valley Communities
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $296.0M
- Total assets
- 16,069
- Members
- 12.9%
- Net-worth ratio
Valley Communities scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $296.0M; members 16,069; net-worth ratio 12.87%; health rank #95 of 4,374; healthier than 97th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#95 of 4,374 health · 2025Q4Valley Communities · health 98/100 · $296.0M · 2025Q4
Call Report peers
Valley Communities in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Valley Communities vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Valley Communities sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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
Where Valley Communities diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 12.87% vs peer 12.11% (+0.76 pp).
- Loan-to-Share Ratio trails the peer set - 61.90% here, 72.20% peer average (-10.30 pp).
Valley Communities in Wisconsin
- Wisconsin health ordinal: #3 of 100.
- By total assets, Valley Communities is #30 of 100 in Wisconsin.
- Wisconsin membership ordinal: #32 of 100.
- One place up in Wisconsin, First Choice (#2) ties at 98/100; one place down, Community First (#4) ties at 98/100.
Quarter path for Valley Communities
Valley Communities: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $296.0M (2025Q4) to $304.6M (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.98% → 12.87%).
This credit union's 12.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Valley Communities gives up 2 points in total. Loan-to-Share Ratio costs the most, 1.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 13.6 pts
Valley Communities health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.87% | +0.76 pp |
| Delinquency Rate | 0.19% | -0.70 pp |
| Return on Assets | 0.79% | +0.17 pp |
| Member Growth | 4.47% | - |
| Loan-to-Share Ratio | 61.90% | -10.30 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Valley Communities quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $304.6M | - |
| 2025Q4 | $296.0M | 16,069 |
| 2024Q4 | $250.0M | 15,381 |
| 2023Q4 | $239.2M | 15,338 |
Credit Union Details
- Charter Number
- 66430
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Mosinee
- Data Quarter
- 2025Q4
Branch Locations (8)
Valley Communities operates 8 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Mosinee, WI |
| Kronenwetter Office | Kronenwetter, WI |
| Marshfield Office | Marshfield, WI |
| Mosinee Office | Mosinee, WI |
| Mosinee Middle School | Mosinee, WI |
| Nekoosa Branch | Nekoosa, WI |
| Stevens Point Office | Stevens Point, WI |
| Wisconsin Rapids | Wisconsin Rapids, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Valley Communities ranks #95 of 4,374 nationally on financial health and #3 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUARDIAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUARDIAN
Frequently Asked Questions
Is Valley Communities financially healthy?
Valley Communities has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #95 of 4,374 nationally on health and #3 of 100 in Wisconsin. Its net worth ratio is 12.87% and its delinquency rate 0.19%.
How does Valley Communities compare to other credit unions?
Valley Communities scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.87% vs 12.11%). Its widest shortfall is loan-to-share ratio (61.90% vs 72.20%).
How can I join Valley Communities?
Membership eligibility for Valley Communities depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Valley Communities directly for current membership requirements and application steps.
Is my money safe at Valley Communities?
Valley Communities is a state-chartered 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 Communities's net worth ratio of 12.87% 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.