State credit union · Martinsville, Virginia · NCUA charter #66924
Valleystar
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $540.3M
- Total assets
- 36,551
- Members
- 8.4%
- Net-worth ratio
Valleystar - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66924: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Valleystar - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)72
- Earnings (ROA)0
- Member growth7
- Liquidity (loan-to-share)100
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.38% | 30% |
| Delinquency Rate | 1.26% | 25% |
| Return on Assets | -1.46% | 15% |
| Member Growth | -4.39% | 15% |
| Loan-to-Share Ratio | 86.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $540.3M | 36,551 |
| 2024Q4 | $585.9M | 38,231 |
| 2023Q4 | $659.9M | 45,432 |
Credit Union Details
- Charter Number
- 66924
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Virginia
- City
- Martinsville
- Data Quarter
- 2025Q4
What This Data Says About Valleystar
36,551 members and $540.3M in total assets sit behind Valleystar, a state credit union in Martinsville, Virginia, which posts a health score of 60/100 (Good) on the five-factor composite, with $373.9M in outstanding loans as of Q4 2025 and a net worth ratio of 8.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #66924 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
1.26% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 86.29% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -1.46% on net income of $-7891583 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 -4.39%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group 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 Valleystar financially healthy?
Yes/no aside, the number is 60/100 (Good) - Valleystar's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.38% net worth ratio and 1.26% delinquency rate are the key drivers.
How does Valleystar compare to other credit unions?
On PlainCU's health composite, Valleystar lands at 60/100, compared to a peer group average for Over $500M 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 Valleystar?
Membership eligibility for Valleystar depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Valleystar directly for current membership requirements and application steps.
Is my money safe at Valleystar?
Federal credit unions like Valleystar 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. Valleystar's net worth ratio of 8.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valleystar offer compared to banks?
Credit unions like Valleystar 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 Valleystar 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.