Valley 1st Community Federal Credit Union Monessen, Pennsylvania
Valley 1st Community Federal Credit Union is a federal credit union headquartered in Monessen, PA, established in 1935 (NCUA charter 649), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,411 members and total assets of $106.9M (up 5.6% from Q2 2025), the 84th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 23.12% at Q2 2026, in the well capitalized band.
Also written as Valley 1st Community FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 649
- Headquarters
- Monessen, PA
- Established
- 1935
- Total assets, Q2 2026
- $106.9M
- Assets vs Q2 2025
- +5.6%
- Members, Q2 2026
- 7,411
- Net worth ratio, Q2 2026
- 23.12%
- Latest call report
- Q2 2026, NCUA 5300 · Valley 1st Community Federal Credit Union call report
- Asset rank in state
- 84th of 269 in Pennsylvania
- Routing number
- 243382653
- Branches
- 2
It has 39 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was down 0.01 percentage points from 23.13% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $33.1M of $58.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.75% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 23.12% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Valley 1st Community Federal Credit Union
Monessen School Employees Federal Credit Union (2016) · Ringgold School Employees Federal Credit Union (2014)
Frequently asked about Valley 1st Community Federal Credit Union
How big is Valley 1st Community Federal Credit Union?
At Q2 2026 it reported total assets of $106.9M and 7,411 members.
Where is Valley 1st Community Federal Credit Union headquartered?
It is headquartered in Monessen, PA, United States.
When was Valley 1st Community Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Valley 1st Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 649): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Valley 1st Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Valley 1st Community Federal Credit Union well capitalized?
Its net worth ratio was 23.12% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Valley 1st Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.75% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Valley 1st Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 71.01% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Monessen, PA 15062
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 649
- RSSD ID
- 679572
- Members
- 7,411
- Potential members
- 750,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 23.12% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.85% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.00% | 7.02% | 59th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.32% | 3.70% | 83rd top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 63.82% | 76.55% | 84th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.77% | 1.24% | 82nd top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.75% | 0.68% | 46th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.09% | 4.92% | 60th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 71.01% | 75.66% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$106.9M total assets against $101.2M; $82.7M total shares and deposits against $77.4M; $58.7M total loans against $54.7M.
$24.7M net worth against $23.4M.
23.12% net worth ratio against 23.13%.
71.01% loan-to-share ratio against 70.66%.
0.75% delinquency ratio against 0.64%.
1.85% return on assets against 1.52%; 8.00% return on equity against 6.55%.
4.32% net interest margin against 4.19%.
7,411 members against 7,450.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.12% | 1.85% | 0.75% | 71.01% |
| March 31, 2026 | 23.24% | 1.56% | 0.48% | 72.91% |
| December 31, 2025 | 23.06% | -0.27% | 0.51% | 71.80% |
| September 30, 2025 | 23.35% | 1.88% | 0.61% | 70.68% |
| June 30, 2025 | 23.13% | 1.52% | 0.64% | 70.66% |
| March 31, 2025 | 23.10% | 1.06% | 0.60% | 70.31% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.