Martinsville, Virginia · Peer group 6
Valleystar Credit Union
Valleystar Credit Union holds $518.0M in assets across 36,271 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1953. Charter number 66924, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $518.0M |
|---|---|
| Total loans | $353.4M |
| Total shares (deposits) | $412.0M |
| Net worth | $52.6M |
| Members | 36,271 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -10.1% | |
|---|---|---|
| Loans | -15.1% | lower than 99% of its peer group |
| Deposits | -10.6% | lower than 99% of its peer group |
| Members | -4.2% | lower than 91% 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 | 85.8% | around the 54th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.2% | around the 39th percentile of its peer group |
| Return on assets | -1.31% | lower than 100% of its peer group |
| Delinquency ratio | 1.08% | around the 82nd percentile of its peer group |
| Cash / assets | 1.3% | lower than 99% of its peer group |
| Borrowings / assets | 10.6% | higher than 93% of its peer group |
What this page does not show
Everything above is Valleystar 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 Virginia — the comparison set a peer ratio is measured against.
- Commonwealth One Credit Union
ALEXANDRIA, VA
$509.3M · 28,734 members
- Henrico Credit Union
Henrico, VA
$501.0M · 31,449 members
- Arlington Community Credit Union
Arlington, VA
$540.7M · 25,848 members
- Topside Credit Union
DAHLGREN, VA
$490.9M · 41,798 members
- Spectra Credit Union
ALEXANDRIA, VA
$552.6M · 30,641 members
- Argent Credit Union
CHESTERFIELD, VA
$560.1M · 35,108 members
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