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
Call Report peers
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Valley Pride vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Valley Pride sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Valley Pride
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.10 pp (37.50% vs 63.60%).
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).
- One place up in Pennsylvania, Alleg-Kiski Postal (#236) ties at 66/100; one place down, EQT (#238) ties at 66/100.
Valley Pride Call Report trajectory
Valley Pride: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $6.2M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted +0.05 pp (17.44% → 17.49%).
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
Valley Pride gives up 34 points in total. Delinquency Rate costs the most, 20 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Valley Pride financially healthy?
On its 2025Q4 NCUA 5300 filing, Valley Pride scores 66/100 (Good), with a 17.49% net worth ratio and 3.20% of loans delinquent. It ranks #3,810 of 4,374 nationally on health and #237 of 275 in Pennsylvania.
How does Valley Pride compare to other credit unions?
Valley Pride scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (37.50% vs 63.60%).
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?
Valley Pride is a federal 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 Pride's net worth ratio of 17.49% 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.