Valleystar Credit Union Martinsville, Virginia
Valleystar Credit Union is a state-chartered credit union headquartered in Martinsville, VA, established in 1953 (NCUA charter 66924), and it is regulated and insured by the NCUA. At Q2 2026 it reported 34,919 members and total assets of $503.4M (down 10.5% from Q2 2025), the 22nd largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 10.25% at Q2 2026, in the well capitalized band.
Also written as Valleystar CU · Trade names filed with the NCUA: Martinsville Dupont Empl. Cr. Un, Martinsville Dupont Empl CU, Inc, Martinsville Dupont CU, Martinsville Dupont Credit Union and Martinsville Dupont Cr Un Inc.
BankRegReports is independent of Valleystar Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66924
- Headquarters
- Martinsville, VA
- Established
- 1953
- Total assets, Q2 2026
- $503.4M
- Assets vs Q2 2025
- -10.5%
- Members, Q2 2026
- 34,919
- Net worth ratio, Q2 2026
- 10.25%
- Latest call report
- Q2 2026, NCUA 5300 · Valleystar Credit Union call report
- Asset rank in state
- 22nd of 94 in Virginia
- Routing number
- 251481180
- Branches
- 7
It has 2,628 fewer members than on June 30, 2025 (-7.0%). Its net worth ratio was down 0.01 percentage points from 10.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $132.7M of $333.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.76% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.25% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Virginia
Credit unions merged into Valleystar Credit Union
Entrust Financial Credit Union (2019) · Waynesboro Employees Credit Union, Inc. (2018) · Piedmont Credit Union (2018) · Valley Community Credit Union (2017) · Martinsville Postal Credit Union (2014) · CCC Martinsville Employees Credit Union (2014)
Frequently asked about Valleystar Credit Union
How big is Valleystar Credit Union?
At Q2 2026 it reported total assets of $503.4M and 34,919 members.
Where is Valleystar Credit Union headquartered?
It is headquartered in Martinsville, VA, United States.
When was Valleystar Credit Union founded?
It was established in 1953, per NCUA records.
Is Valleystar Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66924): 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 Valleystar Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Valleystar Credit Union well capitalized?
Its net worth ratio was 10.25% 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 Valleystar Credit Union's delinquency ratio?
Its delinquency ratio was 1.76% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Valleystar Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Martinsville, VA 24112
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 66924
- RSSD ID
- 939191
- Members
- 34,919
- Potential members
- 2,498,261
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 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.25% | 11.43% | 32nd below |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.75% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -7.35% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.74% | 3.70% | 52nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 103.46% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.41% | 1.24% | 37th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.76% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.15% | 4.92% | 63rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 82.00% | 75.66% | 65th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$503.4M total assets against $562.4M; $406.1M total shares and deposits against $450.0M; $333.0M total loans against $400.7M.
$51.6M net worth against $57.8M.
10.25% net worth ratio against 10.26%.
82.00% loan-to-share ratio against 89.04%.
1.76% delinquency ratio against 0.92%.
-0.75% return on assets against 0.23%; -7.35% return on equity against 2.27%.
3.74% net interest margin against 3.67%.
34,919 members against 37,547.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.25% | -0.75% | 1.76% | 82.00% |
| March 31, 2026 | 10.15% | -1.31% | 1.08% | 85.76% |
| December 31, 2025 | 10.04% | -0.51% | 1.26% | 86.29% |
| September 30, 2025 | 10.16% | -0.62% | 1.00% | 88.61% |
| June 30, 2025 | 10.26% | 0.23% | 0.92% | 89.04% |
| March 31, 2025 | 9.72% | -1.21% | 1.44% | 90.25% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.