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Credit union call report ยท Brownsville, TX

Valley Federal Credit Union Call Report

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Valley Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 259 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Valley Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number850
Federal Reserve RSSD ID692076

The official copy: search charter number 850 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Valley Federal Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
Valley Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $826K
1c. Total Cash on Hand 730A $826K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $7.5M
2. Cash on Deposit (total) 730B $7.5M
3. Time Deposits in Banks and Credit Unions AS0007 $29.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $37.5M
12b. Perpetual Contributed Capital 769B $89K
13. TOTAL OTHER INVESTMENTS AS0017 $89K
15a. Number of Total Loans and Leases 025A 6,465
15b. Total Loans and Leases 025B $72.6M
17. ACL on Loans and Leases AS0048 $487K
18c. Foreclosed/Repossessed - Vehicles AS0024 $28K
18e. Foreclosed/Repossessed Assets (total) 798A $28K
19. Land and Building 007 $2.6M
20. Other Fixed Assets 008 $226K
21. NCUA Share Insurance Capitalization Deposit 794 $934K
22d. Accrued Interest on Loans 009A $792K
22e. Accrued Interest on Investments 009B $78K
22f. All Other Assets 009C $4.8M
22g. Total Other Assets AS0036 $5.6M
23. TOTAL ASSETS 010 $119.1M
Accounts Payable and Other Liabilities 825 $1.1M
Member Shares of All Types 013 $102.9M
Total Shares and Deposits 018 $102.9M
Undivided Earnings 940 $15.0M
Total Net Worth 997 $15.0M
Net Worth Ratio 998 12.61%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $119.1M
Statement of Income and Expense (23 items)
Valley Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $2.5M
3. Income from Investments 120 $657K
5. TOTAL INTEREST INCOME 115 $3.1M
6. Dividends on Shares 380 $483K
8. Interest on Borrowed Money 340 $174
9. TOTAL INTEREST EXPENSE 350 $483K
10. NET INTEREST INCOME IS0010 $2.6M
12a. Credit Loss Expense - Loans and Leases IS0011 $256K
12e. Total Credit Loss Expense IS0017 $256K
13. Fee Income 131 $923K
14. Other Operating Income IS0020 $135K
23. TOTAL NON-INTEREST INCOME 117 $1.1M
24. Employee Compensation and Benefits 210 $1.3M
25. Travel and Conference 230 $63K
26. Office Occupancy 250 $171K
27. Office Operations 260 $1.4M
28. Educational and Promotional 270 $33K
29. Loan Servicing 280 $110K
30. Professional and Outside Services 290 $116K
32. Operating Fees 320 $9K
33. Miscellaneous Operating Expense 360 $32K
34. TOTAL NON-INTEREST EXPENSE 671 $3.3M
35. NET INCOME 661A $173K
Statement pages - all other filed accounts (23 items)

delinquency (21%), credit cards (21%)

Valley Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $272K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $305K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $23K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $89K
Loans Granted Year-to-Date 031A $879
Amount of Loans Granted Year-to-Date 031B $17.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $330K
Number of current members (not number of accounts) 083 9,421
Number of potential members 084 19,905
Interest Rate of Unsecured Credit Card Loans 521 1,271.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,320.00%
Interest Rate of New Vehicle Loans 523 444.00%
Interest Rate of Used Vehicle Loans 524 619.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $265K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $27K
Total Amount of All Other Shares 630 $1.2M
Amount of Regular Shares 657 $49.7M
Amount of Share Drafts 902 $23.3M
IRA/KEOGH Accounts - < 1 Year 906A $149K
Share Certificates - < 1 Year 908A $84K
Total Amount of Share Certificates 908C $20.7M
Total Amount of Money Market Shares 911 $4.7M
Number of Used Vehicle Loans 968 557
NCUA data file FS220A (24 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Valley Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $79.2M
Total Shares - 1-3 Years 013B1 $21.4M
Total Shares - > 3 Years 013B2 $2.4M
Total Shares and Deposits - < 1 Year 018A $79.2M
Total Shares and Deposits - 1-3 Years 018B1 $21.4M
Total Shares and Deposits - > 3 Years 018B2 $2.4M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 52
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $12.9M
Amount of New Vehicle Loans 385 $35.7M
Amount of Unsecured Credit Card Loans 396 $1.7M
Amount of All Other Unsecured Loans/Lines of Credit 397 $12.8M
Share Certificates 451 $364
Number of Accounts for Share Drafts 452 6,240
IRA/KEOGH Accounts 453 $88
Number of Accounts for Regular Shares 454 9,570
All other shares 455 $286
Money Market Shares 458 $92
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 16,640
Number of credit union employees who are Full-Time (26 hours or more) 564A 37
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $4.3M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,782.00%
Total credit lines 881 $8.0M
NCUA data file FS220B (25 items)

maturity and repricing buckets (40%), credit cards (17%)

Valley Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $5K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $1K
Number - Total Delinquent Credit Card Loans 045A 6
Total Amount of Delinquent Unsecured Credit Card Loans 045B $8K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $3.0M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $3.0M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $99.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $1.2M
Amount of Regular Shares - < 1 Year 657A $49.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $21K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Amount of Share Drafts - < 1 Year 902A $23.3M
IRA/KEOGH Accounts - 1-3 Years 906B1 $3.2M
Total Amount of IRA/KEOGH Accounts 906C $3.3M
Share Certificates - 1-3 Years 908B1 $18.2M
Share Certificates - > 3 Years 908B2 $2.4M
Money Market Shares - < 1 Year 911A $4.7M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $927K
Number of New Vehicle Loans 958 1,059
Total Shares 966 $17K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $173K
Number of Unsecured Credit Card Loans 993 1,172
Number of All Other Unsecured Loans/Lines of Credit 994 3,386
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 36
NCUA data file FS220C (4 items)

charge-offs and recoveries (27%), participation loans (18%)

Valley Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $11.8M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $1.9M
NCUA data file FS220D (25 items)

member services and products offered (69%), CUSO relationships (27%)

Valley Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Literacy Workshops 879B3 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (1 item)

loans and leases (32%), participation loans (18%)

Valley Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $8.0M
NCUA data file FS220H (3 items)

student loans (43%), delinquency (27%)

Valley Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.5M
Total number of TDR loans outstanding 1000F $122
Total amount of TDR loans outstanding 1001F $1.0M
NCUA data file FS220I (10 items)

vehicle lending (59%), delinquency (44%)

Valley Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $63K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $63K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $24K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $88K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 4
Amount of Reportable Delinquent New Vehicle Loans 041C1 $24K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $88K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $73K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $66K
NCUA data file FS220J (2 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Valley Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $3.7M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $3.7M
NCUA data file FS220L (10 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Valley Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $6K
Total Amount of Loans & Leases on Loan Schedule 025B1 $72.6M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.3M
Amount of All Other Real Estate Loans/Lines of Credit 386B $1.8M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 589.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 707.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 589.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 849.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $2.2M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $4.2M
NCUA data file FS220M (9 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Valley Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $3.0M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $44K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $1.2M
Total Unfunded Commitments for Non-Commercial Loans 816T $5.5M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $1.2M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 60
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 15
Number of All Other Real Estate Loans/Lines of Credit 960B 29
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 187
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Valley Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $104.1M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $380K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $119.1M
NCUA data file FS220P (14 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Valley Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $152K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $25K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $20K
Unsecured Credit Card Loans DL0002 $2K
All Other Unsecured Loans/Lines of Credit DL0022 $57K
All Other Unsecured Loans/Lines of Credit DL0024 $178K
All Other Unsecured Loans/Lines of Credit DL0025 $22K
All Other Unsecured Loans/Lines of Credit DL0027 $200K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $40
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $9K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $9K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2K
Amount of Consumer Loans in Non-Accrual Status DL0145 $23K
NCUA data file FS220Q (18 items)

investment portfolio detail (69%)

Valley Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $11.0M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $17.7M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $498K
Investment Maturity Distribution - Time Deposits - Total NV0116 $29.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $89K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $89K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $11.0M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $17.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $498K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $89K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $29.2M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $3.6M
RBC Total Equity RB0001 $15.0M
RBC Allowance for Credit Losses RB0002 $487K
RBC Total Additions RB0005 $487K
RBC Total Deductions RB0009 $934K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $14.6M
RBC Risk-Based Capital Numerator RB0012 $14.6M
NCUA data file FS220R (36 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Valley Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $89K
RBC Schedule Total Consumer Loans RB0060 $67.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $487K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $487K
RBC Schedule Total Loans RB0079 $72.1M
RBC Total for Risk Weighting Total Loans RB0081 -$487K
RBC Total Loans 0% Weight RB0082 -$487K
RBC Schedule Total Other Assets RB0088 $9.4M
RBC Total for Risk Weighting Other Assets RB0090 $934K
RBC Other Assets 0% Weight RB0091 $934K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $119.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $446K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $446K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $119.1M
RBC Allowance for Credit Losses (Loans) RB0177 $487K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 60.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 4,227,906.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 985,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $4.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $985K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 15.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,302,892.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 190,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $190K
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 29.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 1,800,798.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Granted YTD RL0034 492,800.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $1.8M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $493K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $104
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $7.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.7M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $315K
Total Shares SH0013 $102.9M
Total Shares and Deposits SH0018 $102.9M
NCUA data file FS220S (1 item)

member services and products offered (29%), HMDA and entity identifiers (24%)

Valley Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Located in Metropolitan Statistical Area (MSA) PR0001 $1

Valley Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Valley Federal Credit Union call report?

The Valley Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Valley Federal Credit Union file?

Valley Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Valley Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Valley Federal Credit Union is 850.

How often does Valley Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Valley Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.