Federal credit union · WILLIAMSPORT, Pennsylvania · NCUA charter #7821
West Branch Valley
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $49.5M
- Total assets
- 4,572
- Members
- 9.2%
- Net-worth ratio
West Branch Valley scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $49.5M; members 4,572; net-worth ratio 9.16%; health rank #1,341 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,341 of 4,374 health · 2025Q4West Branch Valley · health 89/100 · $49.5M · 2025Q4
Call Report peers
West Branch Valley in the assets neighbourhood
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West Branch Valley vs every NCUA-scored credit union
West Branch Valley sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
West Branch Valley: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 68.63% vs peer 59.80% (+8.83 pp).
- Largest lag: Net Worth Ratio at 9.16% vs peer 14.86% (-5.70 pp).
West Branch Valley: in-state Call Report ranks
- Health composite ranks #62 of 275 among scored Pennsylvania credit unions.
- By total assets, West Branch Valley is #124 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #107 of 275.
- One place up in Pennsylvania, OMEGA (#61) ties at 89/100; one place down, Mountain Laurel (#63) scores 88/100, 1 point lower.
West Branch Valley Call Report trajectory
West Branch Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $49.5M (2025Q4) to $50.7M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.14% → 9.16%).
This credit union's 9.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
West Branch Valley gives up 11 points in total. Member Growth costs the most, 8 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.7 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 14.4 pts
Call Report ratios for West Branch Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.16% | -5.70 pp |
| Delinquency Rate | 0.21% | -0.94 pp |
| Return on Assets | 0.48% | -0.23 pp |
| Member Growth | -1.10% | - |
| Loan-to-Share Ratio | 68.63% | +8.83 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
West Branch Valley quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.7M | - |
| 2025Q4 | $49.5M | 4,572 |
| 2024Q4 | $49.0M | 4,623 |
| 2023Q4 | $50.6M | 4,680 |
Credit Union Details
- Charter Number
- 7821
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- WILLIAMSPORT
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, West Branch Valley runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Williamsport, PA |
| Corporate Main DC (CMC) | Sandy, UT |
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 total assets
Using this data
- West Branch Valley ranks #1,341 of 4,374 nationally on financial health and #62 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vantage Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vantage Trust
Frequently Asked Questions
Is West Branch Valley financially healthy?
West Branch Valley has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,341 of 4,374 nationally on health and #62 of 275 in Pennsylvania. Its net worth ratio is 9.16% and its delinquency rate 0.21%.
How does West Branch Valley compare to other credit unions?
West Branch Valley scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (68.63% vs 59.80%). Its widest shortfall is net worth ratio (9.16% vs 14.86%).
How can I join West Branch Valley?
West Branch Valley 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 West Branch Valley directly for the exact boundaries and application steps.
Is my money safe at West Branch Valley?
West Branch Valley 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. West Branch Valley's net worth ratio of 9.16% 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.