Valley Federal Credit Union Brownsville, Texas
Valley Federal Credit Union is a federal credit union headquartered in Brownsville, TX, established in 1935 (NCUA charter 850), and it is regulated and insured by the NCUA. At Q2 2026 it reported 9,421 members and total assets of $119.1M (up 5.5% from Q2 2025), the 133rd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 12.61% at Q2 2026, in the well capitalized band.
Also written as Valley 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
- 850
- Headquarters
- Brownsville, TX
- Established
- 1935
- Total assets, Q2 2026
- $119.1M
- Assets vs Q2 2025
- +5.5%
- Members, Q2 2026
- 9,421
- Net worth ratio, Q2 2026
- 12.61%
- Latest call report
- Q2 2026, NCUA 5300 · Valley Federal Credit Union call report
- Asset rank in state
- 133rd of 377 in Texas
- Routing number
- 314978132
- Branches
- 2
It has 97 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.12 percentage points from 12.73% on June 30, 2025. New vehicle loans are its largest loan category, $35.7M of $72.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.61% net worth ratio is above that band's 11.43% median.
Frequently asked about Valley Federal Credit Union
How big is Valley Federal Credit Union?
At Q2 2026 it reported total assets of $119.1M and 9,421 members.
Where is Valley Federal Credit Union headquartered?
It is headquartered in Brownsville, TX, United States.
When was Valley Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 850): 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 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Valley Federal Credit Union well capitalized?
Its net worth ratio was 12.61% 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 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Valley Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.49% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Brownsville, TX 78521
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 850
- RSSD ID
- 692076
- Members
- 9,421
- Potential members
- 19,905
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 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.61% | 11.43% | 64th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.23% | 0.81% | 13th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 1.80% | 7.02% | 11th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.43% | 3.70% | 87th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 89.30% | 76.55% | 12th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.83% | 1.24% | 79th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.46% | 0.68% | 69th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.26% | 4.92% | 69th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 70.49% | 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
$119.1M total assets against $112.9M; $102.9M total shares and deposits against $97.5M; $72.6M total loans against $69.0M.
$15.0M net worth against $14.4M.
12.61% net worth ratio against 12.73%.
70.49% loan-to-share ratio against 70.81%.
0.46% delinquency ratio against 0.33%.
0.23% return on assets against 0.57%; 1.80% return on equity against 4.50%.
4.43% net interest margin against 4.88%.
9,421 members against 9,324.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.61% | 0.23% | 0.46% | 70.49% |
| March 31, 2026 | 12.58% | 0.35% | 0.34% | 70.88% |
| December 31, 2025 | 13.20% | 1.00% | 0.67% | 73.50% |
| September 30, 2025 | 12.88% | 1.04% | 0.42% | 71.50% |
| June 30, 2025 | 12.73% | 0.57% | 0.33% | 70.81% |
| March 31, 2025 | 12.62% | 0.42% | 0.58% | 67.75% |
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.