Tuscumbia, Alabama · Peer group 5
Valley Credit Union
Valley Credit Union holds $111.3M in assets across 6,075 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1956. Charter number 60930, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $111.3M |
|---|---|
| Total loans | $37.9M |
| Total shares (deposits) | $96.8M |
| Net worth | $15.6M |
| Members | 6,075 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.2% | |
|---|---|---|
| Loans | 8.0% | around the 77th percentile of its peer group |
| Deposits | 6.0% | around the 74th percentile of its peer group |
| Members | 2.8% | around the 81st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 39.2% | lower than 96% of its peer group |
|---|---|---|
| Net worth ratio | 14.0% | around the 79th percentile of its peer group |
| Return on assets | 0.46% | around the 33rd percentile of its peer group |
| Delinquency ratio | 0.27% | around the 20th percentile of its peer group |
| Cash / assets | 9.8% | around the 46th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Valley Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Alabama — the comparison set a peer ratio is measured against.
- Mobile Educators Credit Union
MOBILE, AL
$113.0M · 8,012 members
- Four Seasons Credit Union
OPELIKA, AL
$102.3M · 9,631 members
- Railroad Credit Union
Irondale, AL
$100.8M · 4,750 members
- Jefferson Credit Union
Hoover, AL
$92.1M · 8,095 members
- North Alabama Educators Credit Union
HUNTSVILLE, AL
$142.7M · 10,854 members
- Sycamore Credit Union
Sycamore, AL
$73.5M · 2,823 members
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