Federal credit union · Steubenville, Ohio · NCUA charter #16756
Valley One Community
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $40.4M
- Total assets
- 3,690
- Members
- 12.3%
- Net-worth ratio
Valley One Community scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.4M; members 3,690; net-worth ratio 12.31%; health rank #2,861 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,861 of 4,374 health · 2025Q4Valley One Community · health 79/100 · $40.4M · 2025Q4
- ROA 79/100
- ASSETS 12.3%
- MEM 1.04%
- RANK 0.61%
- PHOTO $40.4M
- BOOK 3,690
- CHARTER #2,861/4,374
- NCUSIF Credit Union One of Oklahoma
- CAMELS 16756
Call Report peers
Valley One Community in the assets neighbourhood
Valley One Community's $40.4M assets sit next to Credit Union One of Oklahoma ($40.4M) 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 One Community 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
79 33rd percentile higher than 33% 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 One Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16756: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Valley One Community
- Largest favorable gap: Delinquency Rate at 1.04% vs peer 1.15% (-0.11 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -34.51 pp (25.29% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Valley One Community: in-state Call Report ranks
- Ohio health ordinal: #132 of 196.
- By total assets, Valley One Community is #117 of 196 in Ohio.
- Ohio membership ordinal: #112 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Valley One Community's 5300 filing moved
Valley One Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $40.4M (2025Q4) to $41.2M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.40% → 12.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 8.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.31% | -2.55 pp |
| Delinquency Rate | 1.04% | -0.11 pp |
| Return on Assets | 0.61% | -0.09 pp |
| Member Growth | -1.84% | - |
| Loan-to-Share Ratio | 25.29% | -34.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.2M | - |
| 2025Q4 | $40.4M | 3,690 |
| 2024Q4 | $37.9M | 3,759 |
| 2023Q4 | $38.4M | 3,828 |
Credit Union Details
- Charter Number
- 16756
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Steubenville
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Valley One Community runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Steubenville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Valley One Community - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Valley One Community ranks #2,861 of 4,374 nationally on financial health and #132 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Erie Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Erie Community
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 One Community financially healthy?
Valley One Community has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,861 of 4,374; by total assets it ranks #2,596 of 4,374 nationally (same basis as /rankings/largest); and #117 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.31% and delinquency rate of 1.04%.
How does Valley One Community compare to other credit unions?
On PlainCU's health composite, Valley One Community lands at 79/100, compared to a peer group average for $10M–$50M 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 One Community?
Valley One 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 One Community directly for the exact boundaries and application steps.
Is my money safe at Valley One Community?
Federal credit unions like Valley One 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 One Community's net worth ratio of 12.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley One Community offer compared to banks?
Credit unions like Valley One 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 One Community 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.