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.

From Q2 2025 to Q2 2026, the score fell 8 points (53 → 45), mostly because the loan quality component weakened by 28 points.

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 Virginia

Yes. Valleystar Credit Union is a federally insured credit union (NCUA charter #66924). 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 7.7% of shares and deposits ($31.2M) 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 10.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Valleystar Credit Union lists 6 offices in 6 cities. Most locations:

• Collinsville, VA (1)
• Danville, VA (1)
• Martinsville, VA (1)
• Roanoke, VA (1)
• Rocky Mount, VA (1)
• Staunton, VA (1)

All branch addresses and map

In 2025, Valleystar Credit Union reported 245 home-loan applications under HMDA (LEI 549300NTHJ0G5YXW3J85): 102 originated ($7,690,000 total), 108 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 51.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Valleystar Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

66924

RSSD ID

939191

Primary regulator

State + NCUA

Established

1953

Headquarters

PO Box 5511, Martinsville, VA 24115

Employees

137