Federal credit union · Steubenville, Ohio · NCUA charter #16756
Valley One Community
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $40.4M
- Total assets
- 3,690
- Members
- 12.4%
- Net-worth ratio
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.
Valley One Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)79
- Earnings (ROA)100
- Member growth38
- Liquidity (loan-to-share)55
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.40% | 30% |
| Delinquency Rate | 1.04% | 25% |
| Return on Assets | 0.61% | 15% |
| Member Growth | -1.84% | 15% |
| Loan-to-Share Ratio | 25.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Valley One Community
3,690 members and $40.4M in total assets sit behind Valley One Community, a federal credit union in Steubenville, Ohio, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $9.0M in outstanding loans as of Q4 2025 and a net worth ratio of 12.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #16756 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
1.04% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 25.29% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.61% on net income of $246K 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 -1.84%. 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 Ohio
More federally-insured credit unions based in Ohio, 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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.40% 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 12.40% 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.
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.