VALLEY Credit Union Profile

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VALLEY

Charter #850 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (956) 546-3108

Fax: (956) 544-5404

Founding Date: N/A

Website: http://www.vfcu.net

Personnel & Operations

President: Sanchez, Jr., Gilbert

Manager: Jasso, Norma

FT Employees: 35

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 2

Hours: Monday thru Friday 9:00 am to 6:00 Saturd

Credit Union Profile Summary

VALLEY is a FCU Credit Union. With a total of 9,324 members [1], this institution manages approximately $112,908,087 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.73% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 14.74% [1].

Financial Snapshot

Total Assets [1]
$112,908,087

Total economic resources.

Total Loans [1]
$69,043,250

Total value of outstanding loans.

Total Deposits [1]
$97,507,182

Total funds deposited by members.

Members [1]
9,324

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.73%

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]
0.52%

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

Loan-to-Share Ratio [1]
70.81%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.06%

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

Loan Growth (4Q) [1]
↑ 14.74%

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

Member Growth (4Q) [1]
↑ 0.67%

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

Headquarters Location & Map

Headquarters Address

183 E Price Rd

Brownsville, TX, 78521
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by VALLEY (Charter #850).

Main Office

Main Office Main Office

Type: Corporate Office

PO Box 4700

Brownsville, TX 78523-4700

Phone: (956) 546-3108

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Harlingen

Harlingen Branch

Type: Branch Office

1613 W Filmore Ave

Harlingen, TX 78550-6270

Phone: (956) 425-5668

Services: Member Services

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