TellerScore

Headquartered in Monessen, Pennsylvania, Valley 1st Community Federal Credit Union is a federal credit union with $106.9M in total assets and $82.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1935.

Valley 1st Community Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 41st. Capital cushion contributes the most (100/100, 23.12%); loan quality contributes the least (75/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.12%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings87/100
Return on assets (annualized): 1.69%
Funding & liquidity89/100
Loans ÷ shares: 71.0% · 7.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.78%

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 2 points (87 → 89), mostly because the earnings component improved by 16 points.

TellerScore
838790Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202484
Q4 202483
Q1 202586
Q2 202587
Q3 202589
Q4 202586
Q1 202690
Q2 202689
Net worth ratio
7.00%15.24%23.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.14%
Q3 202423.48%
Q4 202423.34%
Q1 202523.10%
Q2 202523.13%
Q3 202523.35%
Q4 202523.06%
Q1 202623.24%
Q2 202623.12%
Delinquent loans (60+ days)
0.48%0.67%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.86%
Q4 20240.69%
Q1 20250.60%
Q2 20250.64%
Q3 20250.61%
Q4 20250.51%
Q1 20260.48%
Q2 20260.75%
Return on assets
0.84%1.26%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.16%
Q4 20240.84%
Q1 20251.06%
Q2 20251.28%
Q3 20251.47%
Q4 20251.03%
Q1 20261.56%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$106.9M23.12%0.75%1.69%71.0%
Q1 202690$104.2M23.24%0.48%1.56%72.9%
Q4 202586$103.3M23.06%0.51%1.03%71.8%
Q3 202589$102.3M23.35%0.61%1.47%70.7%
Q2 202587$101.2M23.13%0.64%1.28%70.7%
Q1 202586$99.7M23.10%0.60%1.06%70.3%
Q4 202483$97.5M23.34%0.69%0.84%72.3%
Q3 202484$97.0M23.48%0.86%1.16%70.5%
Q2 202487$97.4M23.14%0.70%1.25%67.8%

1,341 peers · $100 million – $1 billion

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 ratio23.12%
99th
Problem loans0.75%
45th
Net charge-offs0.21%
69th
Return on assets1.69%
93rd
Loans to deposits71.0%
59th
Uninsured deposits7.5%
34th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
79th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Palco Federal Credit UnionCredit union Muncy, PA87 out of 100, Very strong$109.3M13.1%0.20%vs
Greater Pittsburgh Police Federal Credit UnionCredit union Pittsburgh, PA83 out of 100, Strong$109.9M18.7%0.61%vs
Timberland Federal Credit UnionCredit union Dubois, PA68 out of 100, Moderate$102.0M10.2%0.76%vs
Healthcare First Credit UnionCredit union Johnstown, PA76 out of 100, Strong$100.6M13.5%1.27%vs
New Alliance Federal Credit UnionCredit union Ambridge, PA54 out of 100, Below average$113.3M8.7%1.97%vs
Mercer County Community Federal Credit UnionCredit union Hermitage, PA50 out of 100, Below average$114.7M10.8%2.98%vs

Deposit insurance

Is my money safe at Valley 1st Community Federal Credit Union?

Yes. Valley 1st Community Federal Credit Union is a federally insured credit union (NCUA charter #649). 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 7.5% of shares and deposits ($6.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 23.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Valley 1st Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Monessen, PA (1)
  • Rostraver Township, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Valley 1st Community Federal Credit Union
Type
Federal credit union
NCUA charter #
649
RSSD ID
679572
Primary regulator
NCUA
Established
1935
Headquarters
815 Schoonmaker Ave, Monessen, PA 15062
Employees
20

Quick answers

Valley 1st Community Federal Credit Union: common questions

Is Valley 1st Community Federal Credit Union NCUA insured?

Yes. Valley 1st Community Federal Credit Union is a federally insured credit union (NCUA charter #649). 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 Valley 1st Community Federal Credit Union's TellerScore?

89 out of 100 (Very strong), 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 Valley 1st Community Federal Credit Union have?

2 offices as of the latest NCUA data.

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