Credit Union Safety Analysis
Is Valley Credit Union Safe? Tuscumbia, Alabama
Based on its Q2 2026 NCUA 5300 call report, Valley Credit Union has a net worth ratio of 13.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Valley Credit Union's net worth ratio is 13.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.96%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 0.65%
- Loan-to-share ratio (Q2 2026): 39.12%
Valley Credit Union (NCUA charter 60930, established 1956) reported $112.9M in assets and 6,130 members for Q2 2026 from Tuscumbia, Alabama. It ranks 34 of 87 credit unions in Alabama by total assets. Total assets grew 6.8% from $105.6M on June 30, 2025. It has 162 more members than on June 30, 2025 (+2.7%). Its net worth ratio was down 0.44 percentage points from 14.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $17.7M of $38.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.99% for Q1 2026; 14.40% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.27% for Q1 2026; 0.09% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.46% for Q1 2026; 0.59% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 39.17% for Q1 2026; 39.82% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $17.7M
- Used vehicle loans: $12.0M
- Other secured non-real estate loans and lines of credit: $2.8M
- New vehicle loans: $2.7M
- Other unsecured loans and lines of credit: $2.2M
- Unsecured credit card loans: $971K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $112.9M | 13.96% | 0.20% | 0.65% | 39.12% |
| March 31, 2026 | $111.3M | 13.99% | 0.27% | 0.46% | 39.17% |
| December 31, 2025 | $110.4M | 13.99% | 0.32% | 0.38% | 39.33% |
| September 30, 2025 | $108.8M | 14.11% | 0.22% | 0.52% | 39.41% |
| June 30, 2025 | $105.6M | 14.40% | 0.09% | 0.59% | 39.82% |
| March 31, 2025 | $104.8M | 14.36% | 0.34% | 0.54% | 38.45% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60930) · FFIEC NIC profile (RSSD 358998)
Frequently asked questions
Is Valley Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Valley Credit Union's net worth ratio is 13.96%, above the 7% NCUA threshold for well capitalized.
Is Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Valley Credit Union is a federally insured credit union (NCUA charter 60930): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Valley Credit Union's key safety ratios?
For Q2 2026, Valley Credit Union reports net worth 13.96%, delinquency 0.20%, ROA 0.65%, loan-to-share 39.12%.
What happens to my money if Valley Credit Union fails?
For Q2 2026, Valley Credit Union held $98.2M in shares and deposits for 6,130 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.