Federal credit union · Vernal, Utah · NCUA charter #14657
Valley Wide
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $474K
- Total assets
- 153
- Members
- 30.4%
- Net-worth ratio
Valley Wide scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $474K; members 153; net-worth ratio 30.39%; health rank #3,039 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,039 of 4,374 health · 2025Q4Valley Wide · health 77/100 · $474K · 2025Q4
- ASSETS 77/100
- MEM 30.4%
- RANK 0.00%
- PHOTO 0.25%
- BOOK $474K
- CHARTER 153
- NCUSIF #3,039/4,374
- CAMELS n/a
- HEALTH 14657
Call Report peers
Valley Wide carries $474K 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 Wide 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
77 28th percentile higher than 28% 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 Wide - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14657 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Valley Wide
- Largest favorable gap: Net Worth Ratio at 30.39% vs peer 22.93% (+7.46 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.87 pp (42.83% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Valley Wide: in-state Call Report ranks
- In Utah, health place is #38 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #51 of 53 inside Utah ($474K reported).
- Utah membership ordinal: #51 of 53.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Valley Wide: 2025Q4 → 2026Q1
Valley Wide: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.6% from $474K (2025Q4) to $448K (2026Q1).
- Net-worth ratio shifted +1.81 pp (28.58% → 30.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 30.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.3 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 9.6 pts
Valley Wide vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.39% | +7.46 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.25% | +0.03 pp |
| Member Growth | -4.38% | - |
| Loan-to-Share Ratio | 42.83% | -9.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Valley Wide filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $448K | - |
| 2025Q4 | $474K | 153 |
| 2024Q4 | $476K | 160 |
| 2023Q4 | $499K | 167 |
Credit Union Details
- Charter Number
- 14657
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Utah
- City
- Vernal
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Valley Wide.
| Office | City |
|---|---|
| Valley Wide Credit Union (Main Office) | Vernal, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Valley Wide
Cross-state asset and health neighbours for Valley Wide - kept outside Utah; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Valley Wide ranks #3,039 of 4,374 nationally on financial health and #38 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Presto Lewiston Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Presto Lewiston Employees
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah 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 Wide financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Valley Wide's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,039 of 4,374; by total assets it ranks #4,300 of 4,374 nationally (same basis as /rankings/largest); and #51 of 53 within Utah. Above 80 reads excellent, below 50 warrants closer monitoring; a 30.39% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Valley Wide compare to other credit unions?
On PlainCU's health composite, Valley Wide lands at 77/100, compared to a peer group average for Under $2M 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 Wide?
Valley Wide 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 Wide directly for the exact boundaries and application steps.
Is my money safe at Valley Wide?
Federal credit unions like Valley Wide 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 Wide's net worth ratio of 30.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley Wide offer compared to banks?
Credit unions like Valley Wide 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 Wide 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.