State credit union · Martinsville, Virginia · NCUA charter #66924
VALLEYSTAR
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $540.3M
- Total assets
- 36,551
- Members
- 10.2%
- Net-worth ratio
VALLEYSTAR scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $540.3M; members 36,551; net-worth ratio 10.15%; health rank #3,919 of 4,374; healthier than 10th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,919 of 4,374 health · 2025Q4VALLEYSTAR · health 64/100 · $540.3M · 2025Q4
- RANK 64/100
- PHOTO 10.2%
- BOOK 1.26%
- CHARTER -1.46%
- NCUSIF $540.3M
- CAMELS 36,551
- HEALTH #3,919/4,374
- NW PITTSFORD
- DELQ 66924
Call Report peers
VALLEYSTAR in the assets neighbourhood
VALLEYSTAR's $540.3M assets sit next to PITTSFORD ($542.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VALLEYSTAR 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
64 10th percentile higher than 10% 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
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.
Peer-gap read for VALLEYSTAR
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +2.39 pp (86.29% vs 83.90%).
- Return on Assets trails the peer set - -1.46% here, 0.51% peer average (-1.97 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
VALLEYSTAR in Virginia
- In Virginia, health place is #84 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #18 of 95 inside Virginia ($540.3M reported).
- Member book place in Virginia: #19 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VALLEYSTAR Call Report trajectory
VALLEYSTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.1% from $540.3M (2025Q4) to $518.0M (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.04% → 10.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.1 pts
- Return on Assets 0.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 14.8 pts
VALLEYSTAR health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.15% | -1.03 pp |
| Delinquency Rate | 1.26% | +0.38 pp |
| Return on Assets | -1.46% | -1.97 pp |
| Member Growth | -4.39% | - |
| Loan-to-Share Ratio | 86.29% | +2.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
VALLEYSTAR quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $518.0M | - |
| 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
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for VALLEYSTAR, spread across 6 cities.
| Office | City |
|---|---|
| Martinsville (Main Office) | Martinsville, VA |
| Collinsville | Collinsville, VA |
| Danville Main | Danville, VA |
| Roanoke | Roanoke, VA |
| Rocky Mount | Rocky Mount, VA |
| Admin | Rocky Mount, VA |
| Fishersville | Staunton, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
VALLEYSTAR nationwide neighbourhoods
Cross-state asset and health neighbours for VALLEYSTAR - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($540.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- VALLEYSTAR ranks #3,919 of 4,374 nationally on financial health and #84 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ARGENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ARGENT
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 VALLEYSTAR financially healthy?
Yes/no aside, the number is 64/100 (Good) - VALLEYSTAR'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 #3,919 of 4,374; by total assets it ranks #719 of 4,374 nationally (same basis as /rankings/largest); and #18 of 95 within Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.15% 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 64/100, 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 10.15% 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.
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.