TellerScore

Headquartered in Vernal, Utah, Valley Wide Federal Credit Union is a federal credit union with $404K in total assets and $266K in member shares and deposits as of Q2 2026. Its charter dates back to 1961.

Valley Wide Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 11th. Capital cushion contributes the most (100/100, 33.54%); earnings contributes the least (23/100, 0.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 33.54%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings23/100
Return on assets (annualized): 0.07%
Funding & liquidity100/100
Loans ÷ shares: 46.1% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 9 points (94 → 85), mostly because the earnings component weakened by 48 points.

TellerScore
859095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202495
Q4 202486
Q1 202590
Q2 202594
Q3 202593
Q4 202592
Q1 202688
Q2 202685
Net worth ratio
7.00%20.27%33.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.23%
Q3 202426.60%
Q4 202427.46%
Q1 202527.91%
Q2 202527.56%
Q3 202528.18%
Q4 202528.58%
Q1 202630.39%
Q2 202633.54%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.07%0.74%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.38%
Q4 20240.25%
Q1 20250.79%
Q2 20251.27%
Q3 20251.08%
Q4 20251.00%
Q1 20260.47%
Q2 20260.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$404K33.54%0.00%0.07%46.1%
Q1 202688$448K30.39%0.00%0.47%44.9%
Q4 202592$474K28.58%0.00%1.00%42.8%
Q3 202593$478K28.18%0.00%1.08%50.6%
Q2 202594$486K27.56%0.00%1.27%54.8%
Q1 202590$473K27.91%0.00%0.79%55.5%
Q4 202486$476K27.46%0.00%0.25%60.1%
Q3 202495$487K26.60%0.00%1.38%55.6%
Q2 202494$488K26.23%0.00%1.41%68.0%

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 ratio33.54%
96th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.07%
22nd
Loans to deposits46.1%
70th
Uninsured deposits0.0%
81st
Loan-loss reserves1.34%
86th
Texas ratio0.0%
93rd

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Presto Lewiston Employees Credit UnionCredit union Lewiston, UT85 out of 100, Very strong$342K26.6%0.00%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
South Sanpete Credit UnionCredit union Manti, UT83 out of 100, Strong$1.1M12.9%0.00%vs
North Sanpete Federal Credit UnionCredit union Fairview, UT89 out of 100, Very strong$1.2M23.5%0.00%vs
Flexpak Federal Credit UnionCredit union Woods Cross, UT87 out of 100, Very strong$1.9M19.9%0.00%vs
Orem City Employees Federal Credit UnionCredit union Orem, UT82 out of 100, Strong$2.7M14.3%0.13%vs

Deposit insurance

Is my money safe at Valley Wide Federal Credit Union?

Yes. Valley Wide Federal Credit Union is a federally insured credit union (NCUA charter #14657). 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 33.54%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Valley Wide Federal Credit Union
Type
Federal credit union
NCUA charter #
14657
RSSD ID
784186
Primary regulator
NCUA
Established
1961
Headquarters
1330 E Highway 40, Vernal, UT 84078
Employees
1

Quick answers

Valley Wide Federal Credit Union: common questions

Is Valley Wide Federal Credit Union NCUA insured?

Yes. Valley Wide Federal Credit Union is a federally insured credit union (NCUA charter #14657). 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 Wide Federal Credit Union's TellerScore?

85 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.