TellerScore

Valley Federal Credit Union (NCUA charter #850) is based in Brownsville, Texas. Its Q2 2026 call report shows $119.1M in total assets and $102.9M in member shares and deposits and 1 office.

Valley Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 186th. Problem-loan coverage contributes the most (95/100, 2.4%); earnings contributes the least (32/100, 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.61%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity90/100
Loans ÷ shares: 70.5% · 2.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.39%

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 fell 3 points (76 → 73), mostly because the earnings component weakened by 8 points.

TellerScore
737678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202476
Q1 202574
Q2 202576
Q3 202578
Q4 202577
Q1 202675
Q2 202673
Net worth ratio
7.00%10.18%13.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.80%
Q3 202412.83%
Q4 202413.37%
Q1 202512.62%
Q2 202512.73%
Q3 202512.88%
Q4 202513.20%
Q1 202612.58%
Q2 202612.61%
Delinquent loans (60+ days)
0.33%0.55%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.58%
Q4 20240.78%
Q1 20250.58%
Q2 20250.33%
Q3 20250.42%
Q4 20250.67%
Q1 20260.34%
Q2 20260.46%
Return on assets
0.29%0.53%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.49%
Q4 20240.68%
Q1 20250.42%
Q2 20250.50%
Q3 20250.68%
Q4 20250.76%
Q1 20260.35%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$119.1M12.61%0.46%0.29%70.5%
Q1 202675$118.8M12.58%0.34%0.35%70.9%
Q4 202577$112.4M13.20%0.67%0.76%73.5%
Q3 202578$113.8M12.88%0.42%0.68%71.5%
Q2 202576$112.9M12.73%0.33%0.50%70.8%
Q1 202574$112.6M12.62%0.58%0.42%67.7%
Q4 202476$105.3M13.37%0.78%0.68%71.1%
Q3 202475$108.2M12.83%0.58%0.49%65.5%
Q2 202475$107.5M12.80%0.60%0.51%64.6%

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 ratio12.61%
65th
Problem loans0.46%
69th
Net charge-offs0.66%
23rd
Return on assets0.29%
17th
Loans to deposits70.5%
61st
Uninsured deposits2.9%
83rd
Loan-loss reserves0.00%
50th
Texas ratio2.4%
71st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Centex Citizens Credit UnionCredit union Mexia, TX89 out of 100, Very strong$118.9M17.2%0.44%vs
Prestige Community Credit UnionCredit union Dallas, TX58 out of 100, Moderate$118.8M8.9%0.81%vs
Members Credit UnionCredit union Cleburne, TX74 out of 100, Strong$117.5M11.3%0.68%vs
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
Tarrant County'S Credit UnionCredit union Fort Worth, TX53 out of 100, Below average$123.7M9.6%0.80%vs
One Source Federal Credit UnionCredit union El Paso, TX63 out of 100, Moderate$124.0M10.3%0.27%vs

Deposit insurance

Is my money safe at Valley Federal Credit Union?

Yes. Valley Federal Credit Union is a federally insured credit union (NCUA charter #850). 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 2.9% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Valley Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
850
RSSD ID
692076
Primary regulator
NCUA
Established
1935
Headquarters
P.O. Box 4700, Brownsville, TX 78523
Employees
39

Quick answers

Valley Federal Credit Union: common questions

Is Valley Federal Credit Union NCUA insured?

Yes. Valley Federal Credit Union is a federally insured credit union (NCUA charter #850). 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 Federal Credit Union's TellerScore?

73 out of 100 (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 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brownsville

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
First National Bank of South Padre IslandBank South Padre Island, TX84 out of 100, Strong$78.2M14.1%1.24%vs
Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX83 out of 100, Strong$6.9M31.9%0.40%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs