Federal credit union · Kingston, Pennsylvania · NCUA charter #23467
Valley Pride
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $6.2M
- Total assets
- 607
- Members
- 17.5%
- Net-worth ratio
Valley Pride scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.2M; members 607; net-worth ratio 17.49%; health rank #3,810 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,810 of 4,374 health · 2025Q4Valley Pride · health 66/100 · $6.2M · 2025Q4
- HEALTH 66/100
- NW 17.5%
- DELQ 3.20%
- ROA 0.39%
- ASSETS $6.2M
- MEM 607
- RANK #3,810/4,374
- PHOTO n/a
- BOOK 23467
Call Report peers
Valley Pride carries $6.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Valley Pride 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
66 12th percentile higher than 12% 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 Pride - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23467, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Valley Pride
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.10 pp (37.50% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Valley Pride sits in Pennsylvania
- Health composite ranks #237 of 275 among scored Pennsylvania credit unions.
- By total assets, Valley Pride is #232 of 275 in Pennsylvania.
- Membership ranks #245 of 275 among Pennsylvania CUs with a reported count (607 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Valley Pride Call Report trajectory
Valley Pride: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $6.2M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted +0.05 pp (17.44% → 17.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.0 pts
- Return on Assets 13.3 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 9.3 pts
Call Report ratios for Valley Pride
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.49% | -1.57 pp |
| Delinquency Rate | 3.20% | +1.39 pp |
| Return on Assets | 0.39% | -0.07 pp |
| Member Growth | -0.33% | - |
| Loan-to-Share Ratio | 37.50% | -26.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Valley Pride filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.3M | - |
| 2025Q4 | $6.2M | 607 |
| 2024Q4 | $6.1M | 609 |
| 2023Q4 | $6.5M | 629 |
Credit Union Details
- Charter Number
- 23467
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Kingston
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Valley Pride.
| Office | City |
|---|---|
| Main Office (Main Office) | Kingston, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Valley Pride's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Valley Pride ranks #3,810 of 4,374 nationally on financial health and #237 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Johnstown School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Johnstown School Employees
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Pride financially healthy?
A 17.49% net worth ratio and a 3.20% delinquency rate feed into Valley Pride's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,810 of 4,374; by total assets it ranks #3,788 of 4,374 nationally (same basis as /rankings/largest); and #232 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Valley Pride compare to other credit unions?
On PlainCU's health composite, Valley Pride lands at 66/100, compared to a peer group average for $2M–$10M 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 Pride?
Valley Pride 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 Pride directly for the exact boundaries and application steps.
Is my money safe at Valley Pride?
Federal credit unions like Valley Pride 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 Pride's net worth ratio of 17.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley Pride offer compared to banks?
Credit unions like Valley Pride 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 Pride 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.