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
Call Report peers
VALLEYSTAR in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); VALLEYSTAR sits in 60-64 with 179 others.
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
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).
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.
- One place up in Virginia, First Care (#83) scores 65/100, 1 point higher; one place down, TRUENERGY (#85) scores 61/100, 3 points lower.
VALLEYSTAR Call Report trajectory
VALLEYSTAR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.1% from $540.3M (2025Q4) to $518.0M (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.04% → 10.15%).
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
VALLEYSTAR gives up 36 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is VALLEYSTAR financially healthy?
On its 2025Q4 NCUA 5300 filing, VALLEYSTAR scores 64/100 (Good), with a 10.15% net worth ratio and 1.26% of loans delinquent. It ranks #3,919 of 4,374 nationally on health and #84 of 95 in Virginia.
How does VALLEYSTAR compare to other credit unions?
VALLEYSTAR scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.29% vs 83.90%). Its widest shortfall is return on assets (-1.46% vs 0.51%).
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?
VALLEYSTAR is a state-chartered 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. VALLEYSTAR's net worth ratio of 10.15% 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.