Valley Wide Federal Credit Union Vernal, Utah
Valley Wide Federal Credit Union is a federal credit union headquartered in Vernal, UT, established in 1961 (NCUA charter 14657), and it is regulated and insured by the NCUA. At Q2 2026 it reported 150 members and total assets of $404K (down 16.7% from Q2 2025), the 48th largest of 50 credit unions headquartered in Utah. Its net worth ratio was 33.54% at Q2 2026, in the well capitalized band.
Also written as Valley Wide FCU
BankRegReports is independent of Valley Wide Federal Credit Union and never asks for online banking logins or passwords.
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
- 14657
- Headquarters
- Vernal, UT
- Established
- 1961
- Total assets, Q2 2026
- $404K
- Assets vs Q2 2025
- -16.7%
- Members, Q2 2026
- 150
- Net worth ratio, Q2 2026
- 33.54%
- Latest call report
- Q2 2026, NCUA 5300 · Valley Wide Federal Credit Union call report
- Asset rank in state
- 48th of 50 in Utah
- Routing number
- 324376724
- Branches
- 1
It has 5 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 5.98 percentage points from 27.56% on June 30, 2025. Used vehicle loans are its largest loan category, $70K of $123K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Utah
Frequently asked about Valley Wide Federal Credit Union
How big is Valley Wide Federal Credit Union?
At Q2 2026 it reported total assets of $404K and 150 members.
Where is Valley Wide Federal Credit Union headquartered?
It is headquartered in Vernal, UT, United States.
When was Valley Wide Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Valley Wide Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14657): 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 Wide Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Valley Wide Federal Credit Union well capitalized?
Its net worth ratio was 33.54% 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 Wide Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 46.08% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Vernal, UT 84078
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14657
- RSSD ID
- 784186
- Members
- 150
- Potential members
- 32,588
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 6 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: 11.14% to 19.38% | 33.54% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.37% | 0.72% | 16th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.10% | 4.74% | 19th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.76% | 3.93% | 43rd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 108.99% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.27% | 0.78% | 82nd top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.03% | 4.70% | 20th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 46.08% | 58.92% | 31st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$404K total assets against $486K; $266K total shares and deposits against $350K; $123K total loans against $192K.
$136K net worth against $134K.
33.54% net worth ratio against 27.56%.
46.08% loan-to-share ratio against 54.84%.
-0.37% return on assets against 1.77%; -1.10% return on equity against 6.41%.
3.76% net interest margin against 4.56%.
150 members against 155.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 33.54% | -0.37% | — | 46.08% |
| March 31, 2026 | 30.39% | 0.47% | — | 44.86% |
| December 31, 2025 | 28.58% | 0.73% | — | 42.83% |
| September 30, 2025 | 28.18% | 0.67% | — | 50.58% |
| June 30, 2025 | 27.56% | 1.77% | — | 54.84% |
| March 31, 2025 | 27.91% | 0.79% | — | 55.50% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.