Valley Credit Union (NCUA charter #64169) is based in Salem, Oregon. Its Q2 2026 call report shows $118.6M in total assets and $103.1M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Valley Credit Union scores 48/100, which we describe as below average. That is higher than only 4% of 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 44th. Its strongest component is funding & liquidity (85/100; 76% loans-to-deposits, 6% uninsured), and its lowest is loan quality (0/100; 5.22%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (49 → 48).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 54 |
| Q4 2024 | 45 |
| Q1 2025 | 51 |
| Q2 2025 | 49 |
| Q3 2025 | 55 |
| Q4 2025 | 52 |
| Q1 2026 | 52 |
| Q2 2026 | 48 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.72% |
| Q3 2024 | 12.31% |
| Q4 2024 | 12.17% |
| Q1 2025 | 12.43% |
| Q2 2025 | 13.12% |
| Q3 2025 | 13.46% |
| Q4 2025 | 13.39% |
| Q1 2026 | 12.95% |
| Q2 2026 | 12.79% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.36% |
| Q3 2024 | 2.37% |
| Q4 2024 | 3.03% |
| Q1 2025 | 3.37% |
| Q2 2025 | 4.31% |
| Q3 2025 | 4.03% |
| Q4 2025 | 4.49% |
| Q1 2026 | 4.42% |
| Q2 2026 | 5.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.63% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $118.6M | 12.79% | 5.22% | 0.35% | 75.6% |
| Q1 2026 | 52 | $117.0M | 12.95% | 4.42% | 0.67% | 75.0% |
| Q4 2025 | 52 | $111.7M | 13.39% | 4.49% | 0.76% | 81.4% |
| Q3 2025 | 55 | $111.5M | 13.46% | 4.03% | 1.03% | 84.6% |
| Q2 2025 | 49 | $110.5M | 13.12% | 4.31% | 0.63% | 86.8% |
| Q1 2025 | 51 | $115.7M | 12.43% | 3.37% | 0.84% | 82.4% |
| Q4 2024 | 45 | $116.2M | 12.17% | 3.03% | 0.20% | 85.1% |
| Q3 2024 | 54 | $116.9M | 12.31% | 2.37% | 0.50% | 84.5% |
| Q2 2024 | 55 | $112.5M | 12.72% | 2.36% | 0.63% | 88.2% |
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).
Similar-size credit unions in Oregon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ibew & United Workers Federal Credit UnionCredit union Portland, OR | 59 out of 100, Moderate | $112.7M | 11.4% | 1.20% | vs |
| Pacific Cascade Federal Credit UnionCredit union Eugene, OR | 65 out of 100, Moderate | $139.9M | 10.5% | 0.54% | vs |
| Ironworkers USA Federal Credit UnionCredit union Portland, OR | 46 out of 100, Below average | $155.9M | 11.1% | 2.97% | vs |
| Trailhead Federal Credit UnionCredit union Portland, OR | 28 out of 100, Low | $156.0M | 8.8% | 4.14% | vs |
| 44 North Credit UnionCredit union Lebanon, OR | 61 out of 100, Moderate | $157.6M | 12.8% | 1.76% | vs |
| Heritage Grove Federal Credit UnionCredit union Salem, OR | 67 out of 100, Moderate | $167.2M | 11.9% | 1.17% | vs |
Deposit insurance
Is my money safe at Valley Credit Union?
Yes. Valley Credit Union is a federally insured credit union (NCUA charter #64169). 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 5.9% of shares and deposits ($6.1M) 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 12.79%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Valley Credit Union lists 1 office in 1 city. Most locations:
- Salem, OR (1)
Identity & history
Profile
- Legal name
- Valley Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64169
- RSSD ID
- 504795
- Primary regulator
- State + NCUA
- Established
- 1957
- Headquarters
- PO Box 12903, Salem, OR 97309
- Employees
- 17
Quick answers
Valley Credit Union: common questions
Is Valley Credit Union NCUA insured?
Yes. Valley Credit Union is a federally insured credit union (NCUA charter #64169). 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 Credit Union's TellerScore?
48 out of 100 (Below average), 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 Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Salem
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Community Credit UnionCredit union Coquille, OR | 86 out of 100, Very strong | $1.9B | 13.3% | 0.04% | vs |
| Onpoint Community Credit UnionCredit union Portland, OR | 83 out of 100, Strong | $9.5B | 15.0% | 0.98% | vs |
| Ibew/Sj Cascade Federal Credit UnionCredit union Salem, OR | 82 out of 100, Strong | $22.5M | 14.1% | 1.31% | vs |
| Pioneer Trust Bank, National AssociationBank Salem, OR | 81 out of 100, Strong | $712.5M | 15.3% | 1.32% | vs |
| Willamette Valley BankBank Salem, OR | 81 out of 100, Strong | $465.4M | 17.0% | 0.22% | vs |
| Nw Preferred Federal Credit UnionCredit union Tigard, OR | 79 out of 100, Strong | $189.3M | 14.6% | 0.91% | vs |