Monessen, Pennsylvania · Peer group 5
Valley 1st Community Credit Union
Valley 1st Community Credit Union holds $104.2M in assets across 7,342 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1935. Charter number 649, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $104.2M |
|---|---|
| Total loans | $58.1M |
| Total shares (deposits) | $79.7M |
| Net worth | $24.2M |
| Members | 7,342 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.6% | |
|---|---|---|
| Loans | 9.2% | around the 81st percentile of its peer group |
| Deposits | 5.3% | around the 67th percentile of its peer group |
| Members | -0.5% | around the 46th 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 | 72.9% | around the 52nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 23.2% | higher than 99% of its peer group |
| Return on assets | 1.56% | higher than 91% of its peer group |
| Delinquency ratio | 0.48% | around the 40th percentile of its peer group |
| Cash / assets | 8.6% | around the 37th 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 1st Community 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 Pennsylvania — the comparison set a peer ratio is measured against.
- Healthcare First Credit Union
JOHNSTOWN, PA
$101.0M · 8,047 members
- Timberland Credit Union
DUBOIS, PA
$100.5M · 9,325 members
- Palco FCU
MUNCY, PA
$109.5M · 6,218 members
- Corner Post Credit Union
Wilkes Barre, PA
$98.5M · 5,274 members
- Greater Pittsburgh Police Credit Union
Pittsburgh, PA
$110.8M · 9,310 members
- New Alliance Credit Union
AMBRIDGE, PA
$113.3M · 7,881 members
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