Credit Union Safety Analysis
Is Valleystar Credit Union Safe? Martinsville, Virginia
Based on its Q2 2026 NCUA 5300 call report, Valleystar Credit Union has a net worth ratio of 10.25%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.76%, 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, Valleystar Credit Union's net worth ratio is 10.25%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.25%
- Delinquency ratio (60+ days) (Q2 2026): 1.76%
- Return on assets (Q2 2026): -0.75%
- Loan-to-share ratio (Q2 2026): 82.00%
Valleystar Credit Union (NCUA charter 66924, established 1953) reported $503.4M in assets and 34,919 members for Q2 2026 from Martinsville, Virginia. It ranks 22 of 94 credit unions in Virginia by total assets. Total assets fell 10.5% from $562.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.15% for Q1 2026; 10.26% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.08% for Q1 2026; 0.92% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -1.31% for Q1 2026; 0.23% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 85.76% for Q1 2026; 89.04% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $132.7M
- Commercial loans: $125.1M
- Used vehicle loans: $40.8M
- Other unsecured loans and lines of credit: $15.5M
- Unsecured credit card loans: $9.9M
- New vehicle loans: $6.0M
- Other secured non-real estate loans and lines of credit: $2.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $503.4M | 10.25% | 1.76% | -0.75% | 82.00% |
| March 31, 2026 | $518.0M | 10.15% | 1.08% | -1.31% | 85.76% |
| December 31, 2025 | $540.3M | 10.04% | 1.26% | -0.51% | 86.29% |
| September 30, 2025 | $545.9M | 10.16% | 1.00% | -0.62% | 88.61% |
| June 30, 2025 | $562.4M | 10.26% | 0.92% | 0.23% | 89.04% |
| March 31, 2025 | $576.0M | 9.72% | 1.44% | -1.21% | 90.25% |
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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.
Valleystar Credit Union profile
Regulator records: NCUA credit union profile (charter 66924) · FFIEC NIC profile (RSSD 939191)
Frequently asked questions
Is Valleystar Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Valleystar Credit Union's net worth ratio is 10.25%, above the 7% NCUA threshold for well capitalized.
Is Valleystar Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Valleystar Credit Union is a federally insured credit union (NCUA charter 66924): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Valleystar Credit Union's key safety ratios?
For Q2 2026, Valleystar Credit Union reports net worth 10.25%, delinquency 1.76%, ROA -0.75%, loan-to-share 82.00%.
What happens to my money if Valleystar Credit Union fails?
For Q2 2026, Valleystar Credit Union held $406.1M in shares and deposits for 34,919 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.