Valleystar Credit Union
Martinsville, VA·Charter 66924·cu:66924·Credit union RBC / net worth
- #21 of 95Total assets in Virginia
- 34.9Kmembers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Valleystar Credit Union
8 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-16.9%peers +4.1%-21.0 pp
Valleystar Credit Union's loans declined 16.9% over the past year to $333 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -16.9% | +4.1% | -21.0 pp |
| Loans | ||
| $333 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Valleystar Credit Union itself is left out of every peer median and percentile. How signals work
Shares and deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-9.8%peers +4.1%-13.8 pp
Valleystar Credit Union's shares and deposits declined 9.8% over the past year to $406 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| -9.8% | +4.1% | -13.8 pp |
| Shares and deposits | ||
| $406 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Valleystar Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans rising faster than peersWorth a look: Asset quality1.76%peers 0.65%+111 bps
Valleystar Credit Union's loans 60+ days delinquent as a share of loans rose 84 bps over the past year to 1.76%. Among 563 similar credit unions, the median rose 1 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 1.76% | 0.65% | +111 bps |
| 12-month change | ||
| +84 bps | +1 bps | +83 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Valleystar Credit Union itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings-0.74%peers 0.81%-156 bps
Valleystar Credit Union's annualized return on assets fell 98 bps over the past year to -0.74%. Among 561 similar credit unions, the median rose 9 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -0.74% | 0.81% | -156 bps |
| 12-month change | ||
| -98 bps | +9 bps | -106 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Valleystar Credit Union itself is left out of every peer median and percentile. How signals work
Net charge-offs falling faster than peersStrength: Asset quality 2nd quarter0.80%peers 0.38%+43 bps
Valleystar Credit Union's annualized net charge-off rate fell 52 bps over the past year to 0.80%. Among 561 similar credit unions, the median fell 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 0.80% | 0.38% | +43 bps |
| 12-month change | ||
| -52 bps | -2 bps | -50 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Valleystar Credit Union itself is left out of every peer median and percentile. How signals work
3 more observations
- Auto lending shrinking faster than peersLending
- Reliance on share certificates falling while the peer median risesFunding
- Membership shrinking while the peer median growsMembership
Key facts
- Valleystar Credit Union is a state-chartered credit union headquartered in Martinsville, Virginia. It reported $503 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $406 million, down 9.8% from a year earlier, and loans totaled $333 million, down 16.9%.
- Its net interest margin on average assets was 3.69% and its annualized return on assets was -0.74% for the quarter.
- Its cost of all shares and deposits was 1.23%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 34,919 members, down 7.0% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Valleystar Credit Union's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Valleystar Credit Union · Credit union
- NCUA charter
- 66924
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Valleystar Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$948.13K | |
| $6.48M | |
| $1.77M | |
| $4.7M | |
| $1.1M | |
| $6M | |
| $747.71K | |
| $747.71K | |
| -0.74% | |
| 3.69% | |
| 103.46% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.