Credit Union Safety Analysis
Is Valley Wide Federal Credit Union Safe? Vernal, Utah
Based on its Q2 2026 NCUA 5300 call report, Valley Wide Federal Credit Union has a net worth ratio of 33.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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 Wide Federal Credit Union's net worth ratio is 33.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 33.54%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -0.37%
- Loan-to-share ratio (Q2 2026): 46.08%
Valley Wide Federal Credit Union (NCUA charter 14657, established 1961) reported $404K in assets and 150 members for Q2 2026 from Vernal, Utah. It ranks 48 of 50 credit unions in Utah by total assets. Total assets fell 16.7% from $486K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 30.39% for Q1 2026; 27.56% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.47% for Q1 2026; 1.77% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 44.86% for Q1 2026; 54.84% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $70K
- Other secured non-real estate loans and lines of credit: $41K
- New vehicle loans: $9K
- Other unsecured loans and lines of credit: $2K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $404K | 33.54% | — | -0.37% | 46.08% |
| March 31, 2026 | $448K | 30.39% | — | 0.47% | 44.86% |
| December 31, 2025 | $474K | 28.58% | — | 0.73% | 42.83% |
| September 30, 2025 | $478K | 28.18% | — | 0.67% | 50.58% |
| June 30, 2025 | $486K | 27.56% | — | 1.77% | 54.84% |
| March 31, 2025 | $473K | 27.91% | — | 0.79% | 55.50% |
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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.
Valley Wide Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14657) · FFIEC NIC profile (RSSD 784186)
Frequently asked questions
Is Valley Wide Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Valley Wide Federal Credit Union's net worth ratio is 33.54%, above the 7% NCUA threshold for well capitalized.
Is Valley Wide Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Valley Wide Federal Credit Union is a federally insured credit union (NCUA charter 14657): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Valley Wide Federal Credit Union's key safety ratios?
For Q2 2026, Valley Wide Federal Credit Union reports net worth 33.54%, delinquency not reported, ROA -0.37%, loan-to-share 46.08%.
What happens to my money if Valley Wide Federal Credit Union fails?
For Q2 2026, Valley Wide Federal Credit Union held $266K in shares and deposits for 150 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.