Elizabethton, Tennessee · Peer group 3
Happy Valley Credit Union
Happy Valley Credit Union holds $36.4M in assets across 3,228 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1934. Charter number 68097, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $36.4M |
|---|---|
| Total loans | $9.4M |
| Total shares (deposits) | $29.6M |
| Net worth | $6.6M |
| Members | 3,228 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.0% | |
|---|---|---|
| Loans | 3.2% | around the 75th percentile of its peer group |
| Deposits | -3.0% | around the 23rd percentile of its peer group |
| Members | -2.1% | around the 40th 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 | 31.7% | around the 11th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.2% | around the 78th percentile of its peer group |
| Return on assets | 1.02% | around the 69th percentile of its peer group |
| Delinquency ratio | 0.61% | around the 51st percentile of its peer group |
| Cash / assets | 8.7% | around the 35th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Happy 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 Tennessee — the comparison set a peer ratio is measured against.
- Knoxville Firefighters Credit Union
Knoxville, TN
$36.7M · 1,851 members
- Koin Credit Union
Brentwood, TN
$36.0M · 2,141 members
- Nashville Firemen's Credit Union
NASHVILLE, TN
$37.9M · 3,230 members
- Outreach Credit Union
HERMITAGE, TN
$34.6M · 2,146 members
- St. Thomas Credit Union
Nashville, TN
$38.3M · 2,417 members
- Knox County Teachers Credit Union
Knoxville, TN
$34.4M · 2,093 members
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