Credit Union Safety Analysis
Is Valley Credit Union Safe? Salem, Oregon
Based on its Q2 2026 NCUA 5300 call report, Valley Credit Union has a net worth ratio of 12.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 5.22%, 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 12.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.79%
- Delinquency ratio (60+ days) (Q2 2026): 5.22%
- Return on assets (Q2 2026): 0.05%
- Loan-to-share ratio (Q2 2026): 75.56%
Valley Credit Union (NCUA charter 64169, established 1957) reported $118.6M in assets and 6,114 members for Q2 2026 from Salem, Oregon. It ranks 28 of 47 credit unions in Oregon by total assets. Total assets grew 7.4% from $110.5M on June 30, 2025. It has 26 more members than on June 30, 2025 (+0.4%). Its net worth ratio was down 0.33 percentage points from 13.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $33.6M of $77.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 5.22% is above 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: 12.95% for Q1 2026; 13.12% 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: 4.42% for Q1 2026; 4.31% 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: 0.67% for Q1 2026; 0.37% 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: 75.04% for Q1 2026; 86.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $33.6M
- Used vehicle loans: $16.6M
- Commercial loans: $10.2M
- Other secured non-real estate loans and lines of credit: $6.7M
- Other unsecured loans and lines of credit: $5.0M
- New vehicle loans: $3.7M
- Unsecured credit card loans: $2.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $118.6M | 12.79% | 5.22% | 0.05% | 75.56% |
| March 31, 2026 | $117.0M | 12.95% | 4.42% | 0.67% | 75.04% |
| December 31, 2025 | $111.7M | 13.39% | 4.49% | -0.06% | 81.39% |
| September 30, 2025 | $111.5M | 13.46% | 4.03% | 1.86% | 84.55% |
| June 30, 2025 | $110.5M | 13.12% | 4.31% | 0.37% | 86.83% |
| March 31, 2025 | $115.7M | 12.43% | 3.37% | 0.84% | 82.42% |
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Free to use. It shows Valley Credit Union’s latest filed figures and updates each quarter.
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 64169) · FFIEC NIC profile (RSSD 504795)
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 12.79%, 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 64169): 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 12.79%, delinquency 5.22%, ROA 0.05%, loan-to-share 75.56%.
What happens to my money if Valley Credit Union fails?
For Q2 2026, Valley Credit Union held $103.1M in shares and deposits for 6,114 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.