VALLEY Credit Union Profile

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VALLEY

Charter #60930 | NCUA Region 2 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 381-4800

Fax: (256) 381-4831

Founding Date: N/A

Website: http://www.valleycreditunion.net

Personnel & Operations

President: JAMES, SANDRA

Manager: TRUITT, DAWN

FT Employees: 24

PT Employees: 10

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: MONDAY - THURSDAY 8:45 - 4:30 FRIDAY 8:45-

Credit Union Profile Summary

VALLEY is a FISCU Credit Union. With a total of 5,968 members ^[1], this institution manages approximately $105,643,665 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 14.4% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.17% ^[1].

Financial Snapshot

Total Assets ^[1]

$105,643,665

Total economic resources.

Total Loans ^[1]

$36,571,500

Total value of outstanding loans.

Total Deposits ^[1]

$91,836,841

Total funds deposited by members.

Members ^[1]

5,968

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

14.4%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.57%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

39.82%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 2.78%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 5.17%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 2.47%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

200 E 6TH ST

TUSCUMBIA, AL, 35674

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 5 branches reported by VALLEY (Charter #60930).

Main Office

VALLEY CREDIT UNION Main Office

Type: Corporate Office

200 E 6TH ST

Tuscumbia, AL 35674

Phone: (256) 381-4800

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Cherokee