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
- ROA 98/100
- ASSETS 12.9%
- MEM 0.19%
- RANK 0.79%
- PHOTO $296.0M
- BOOK 16,069
- CHARTER #95/4,374
- NCUSIF Bowater Employees
- CAMELS 66430
Call Report peers
Valley Communities in the assets neighbourhood
Valley Communities's $296.0M assets sit next to Bowater Employees ($296.3M) 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 Communities 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
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
Valley Communities - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66430. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Valley Communities
Valley Communities: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $296.0M (2025Q4) to $304.6M (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.98% → 12.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
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).
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
Valley Communities's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($296.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 Communities financially healthy?
Valley Communities scores 98/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #95 of 4,374; by total assets it ranks #1,045 of 4,374 nationally (same basis as /rankings/largest); and #30 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.87% net worth ratio and a 0.19% delinquency rate.
How does Valley Communities compare to other credit unions?
Valley Communities scores 98/100 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 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?
Federal credit unions like Valley Communities 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 Communities's net worth ratio of 12.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley Communities offer compared to banks?
Credit unions like Valley Communities 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 Communities 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.