TellerScore

Valex Federal Credit Union (NCUA charter #6116) is based in Alexandria, Louisiana. Its Q2 2026 call report shows $41.0M in total assets and $37.5M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Valex Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 95th. Its strongest component is funding & liquidity (86/100; 74% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (45/100; 9.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.48%
Loan quality48/100
Loans 60+ days delinquent ÷ total loans: 1.57%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity86/100
Loans ÷ shares: 74.0% · 0.0% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 19 points (43 → 62), mostly because the earnings component improved by 51 points.

TellerScore
365064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202442
Q4 202440
Q1 202536
Q2 202543
Q3 202552
Q4 202549
Q1 202664
Q2 202662
Net worth ratio
6.74%8.11%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.74%
Q3 20247.04%
Q4 20247.20%
Q1 20256.98%
Q2 20257.29%
Q3 20258.07%
Q4 20258.68%
Q1 20269.04%
Q2 20269.48%
Delinquent loans (60+ days)
1.07%1.68%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20241.32%
Q4 20241.63%
Q1 20252.01%
Q2 20251.60%
Q3 20251.80%
Q4 20252.30%
Q1 20261.45%
Q2 20261.57%
Return on assets
-0.18%0.84%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.18%
Q3 20240.03%
Q4 20240.04%
Q1 20250.05%
Q2 20250.24%
Q3 20251.30%
Q4 20251.20%
Q1 20261.86%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$41.0M9.48%1.57%1.51%74.0%
Q1 202664$41.7M9.04%1.45%1.86%75.6%
Q4 202549$41.2M8.68%2.30%1.20%77.0%
Q3 202552$41.8M8.07%1.80%1.30%80.1%
Q2 202543$43.9M7.29%1.60%0.24%79.3%
Q1 202536$44.3M6.98%2.01%0.05%80.6%
Q4 202440$42.8M7.20%1.63%0.04%86.1%
Q3 202442$43.8M7.04%1.32%0.03%86.7%
Q2 202442$44.9M6.74%1.07%-0.18%86.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.48%
12th
Problem loans1.57%
27th
Net charge-offs0.59%
24th
Return on assets1.51%
85th
Loans to deposits74.0%
27th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio11.3%
11th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
River Region Federal Credit UnionCredit union Lutcher, LA68 out of 100, Moderate$42.0M19.6%2.38%vs
705 Federal Credit UnionCredit union Lafayette, LA41 out of 100, Below average$43.0M7.9%2.03%vs
Access of Louisiana Federal Credit UnionCredit union Lake Charles, LA51 out of 100, Below average$44.5M9.8%1.88%vs
Geismar Complex Federal Credit UnionCredit union Geismar, LA80 out of 100, Strong$44.6M13.1%0.51%vs
Les Federal Credit UnionCredit union Baton Rouge, LA74 out of 100, Strong$45.1M11.7%0.15%vs
Uno Federal Credit UnionCredit union New Orleans, LA77 out of 100, Strong$36.8M20.8%1.24%vs

Deposit insurance

Is my money safe at Valex Federal Credit Union?

Yes. Valex Federal Credit Union is a federally insured credit union (NCUA charter #6116). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.48%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Valex Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Valex Federal Credit Union
Type
Federal credit union
NCUA charter #
6116
RSSD ID
889586
Primary regulator
NCUA
Established
1949
Headquarters
1767 Jackson St, Alexandria, LA 71301
Employees
10

Quick answers

Valex Federal Credit Union: common questions

Is Valex Federal Credit Union NCUA insured?

Yes. Valex Federal Credit Union is a federally insured credit union (NCUA charter #6116). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Valex Federal Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Valex Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Alexandria

InstitutionScoreAssetsCapitalProblem loansCompare
Cenla Federal Credit UnionCredit union Alexandria, LA96 out of 100, Very strong$132.2M21.7%0.09%vs
Rapides Federal Credit UnionCredit union Alexandria, LA96 out of 100, Very strong$6.2M29.5%0.17%vs
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Rapides General Hospital Empl Federal Credit UnionCredit union Alexandria, LA87 out of 100, Very strong$12.6M16.8%0.00%vs
Engage Federal Credit UnionCredit union Natchitoches, LA86 out of 100, Very strong$28.5M21.6%0.95%vs
Alexandria Municipal Employees Credit UnionCredit union Alexandria, LA84 out of 100, Strong$31.9M14.0%0.28%vs