# MOUNTAIN VALLEY
Peru, NY · NCUA charter 15516 · asset band $50-100M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/mountain-valley-15516

Who the members are: federal charter, community charter, organized 1963. 4,611 members of 120,000 potential (3.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $57.5M |
| Members | 4,611 (-2.2% YoY) |
| Full-time staff | 16 |
| Net worth | $4.1M |
| Net worth ratio | 7.1% (p1 of band) |
| ROA (annualized) | -1.32% (p1 of band) |
| Total delinquency | 1.59% (p84 of band) |
| Net charge-offs (annualized) | 0.30% (p51 of band) |
| Loans / shares | 79% (p77 of band) |
| Cash / assets | 22.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p51 of band) |
| Operating expense / assets | 4.82% (p87 of band) |
| Vehicles % of loans | 20% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 1.36% (p79 of band) |
| Vehicle NCO | 0.18% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p37 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 35% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 7% |
| Average share balance | $6,762 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $22,068 |
| Loans granted, annualized | $10.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 0 |  | charge-offs p90 |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 1 | net worth falling | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | delinquency rising | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 | margin squeeze | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 | net worth falling | delinquency rising |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | net worth falling, delinquency 2x band |  |
| 2024-09 | 2 |  | net worth falling, delinquency 2x band |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 2 | losing money | delinquency rising, delinquency 2x band |
| 2025-06 | 4 | net worth falling, delinquency 2x band |  |
| 2025-09 | 5 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-05 [AmeriCU and Mountain Valley Credit Union Merge - wktv.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOM3lxdUtfdGlLTjFmSEYzRWxGckRaOHpESFBXZkRRRGJNVnJzLXIyQjB2aHhWWTdOdjJwM1BjNDdsc0w4T2NzR2ZhcmlESnl1dEdQV08yUlB4SWhvci1KZ3lmcEdZN0dod1pwTFp0MHZMMlYwSTJXRUZTeGZmeFFvNHo4cVlucG9YemtxVm5nbVJZdkIwX2hiMEVndGdQdDdPMVNWQnBYd0xkM1FvMzhEUDJZX1kybWZSNmg1T3owamRtalVtZ0ww?oc=5) · wktv.com
- 2026-01-05 [AmeriCU completes merger with Mountain Valley Credit Union - suncommunitynews.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNFVJNGFIOW5BSVBDWFV0WERFUmFUeDY3SkZYQjdrYXJqUVc3N0l6VEF2bHhmeWlZSHBXUGpKV3BYZENVR1FpS2w4Ukdmak9iMUxteEpGTXY3UFBTeWV5NGRZS29OeEpfYVYtQkx4aUxfUF9oQnN0cFJBZGVVYXkyYXhZOU1zd0R5ODdRSWZwdHJiNXF3NFZ3bnpWb2hPZWttbkE?oc=5) · suncommunitynews.com
- 2023-12-02 [Ransomware attack in US: Dozens of credit unions experience outages due to cyberattack on Trellance, federal agency says - ABC7 Bay Area](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNjdOSjYxdFNCclJHdG1aWmQzY05PeTUyZmp0WV9MOWpPeFp0NkJ4UnpFWWpqSUFQdTBTQy1rM0w3cHAwOVlCRUw1dGRWUWxBWXluYWJDQTlLT3A1d0ZXN0pCS2x1b01Pb0NzVHBKTC0tQ2xFVjJUVXpHSnZsWVpaSG0zTWtnenJNa0RZRW5SVmx0RlZ3aUVOYktscS1MeVJmZmQzSjQtV3J0TXPSAbABQVVfeXFMTzlZRFVFemQyU1N6VlNULWoybHVLTXZGSld0N1RVNUdGc1dORWY5Zl9JSUpYYVczZzF0RTFvNlhJSUprM05rT3FOcllJTUk1SWtoN0NESlEtUUZsZURqd1IzSUZTVHBjZGFHWjEzbmFTNGNONTMweHNrdVowTGVvQVRMX3JXT1NkQ2pfQVo0anM1cVNQOTE0cUtBQlFrdG0tVVRqM19oR2dOd0pFRDMtWFc?oc=5) · ABC7 Bay Area
- 2026-07-30 [AmeriCU assistant vice president inducted into New York Credit Union Hall of Fame - Rome Sentinel](https://news.google.com/rss/articles/CBMivgFBVV95cUxNbUF2Q2RIY05ROXpUTF9QenBVSkt3eGJrb2pRd0VybUk4c0UtLVBuNkYwaU1lVzU4Z08yUFh2djFoUktKb000b1FGV1Fza2JDb1p4YVl0TGFXR2JWSmlVTEVVNHlGdXpfdU5TZGVGcGdCZmI4VW41RW4yVmxwWFpzWTQ1WFN0UncydjM5T3NWTFBXMWJnNUN5Ulkta1FXN3dKSnVqdFJJMUFrUFZwODFjNFNWdVJ1UFdCXzI1RjFR?oc=5) · Rome Sentinel
- 2026-01-07 [Credit Unions in Three States Begin New Year With New Mergers - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQNG1SUWtoMVZWNWFuUXo3aTFXbzFpcUt6QXBld2tEbS1PNDNRVjh4b3ZXX3BZZ1I5MVVhcFFBcjdITmxYTzNlRTAxXzNla1U1bUxzaXdxVjdmRUJ3UTdJcndEVFhqQTZtRXVPTWJmSi1KaWtwMElSdTNXRUZ2M0pNb1R4ZnN0UmpIRXJaaHVWQy0yRU00WlNrNmtsa3FzUQ?oc=5) · CUTimes
- 2021-12-03 [Keeseville man charged with robbing local bank - wcax.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOd3dnYjNvMElsbnJ0Ym5oM2dHaGh6RHAwTENyNUVtWDU3T3dGTlI1dGpqTWRIeEF3d1pRbWtvZGpHMDVJUWt4MnZrZHhfX2dLT0txSHFZQUNqcVNwUV9qY2JtRVZoUE1vSXlrR0c0aTlOeWxfSTRjSTVxemkxX0lIUXBzZEp2QdIBmgFBVV95cUxQYVloRTkzS09VOFQ3UnlraWpvUmw4RGUyTjJuODJsbFBuR2FYOWM4UUozTHhucWRfUkRQcER6WHliajV3VEQ5NW15TFpNRk5ZSXJDaUlEWHZlblA1aVJKdlBNRmZUV0lySXgzM0Y5S0s3R2s1MWFfejA5VDVHS2F1RE1YYkhZd24tS0lzVmJiWTduZUdVcG05b0x3?oc=5) · wcax.com
- 2023-06-09 [New accounting firm opens in Peru - suncommunitynews.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeDRnSFBMVGJHekg1N0VNQ0dRNkxsbkVRZFdZYUJfQm5QTk1DUElmNFY4cEtmR1hZaHZNRjh2VG4xY2sxaEZtTjk1Mmg0RF90SU9CZk9wWG1KdXpOeWxkMWxOOGxLWXRXb0ltdmZLUlhrRzVGUUxfeE1RUHF3WHFzRw?oc=5) · suncommunitynews.com
- 2021-12-06 [Alleged Keeseville Bank Robber Spends Time with a Friend - WIBX 950](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOYWlDY0lna3JCV2F3WWJ3UkY2bjVlQU0xRkNEazZ0dGpMRzhvU29yR2d1VHZtSUNxRzhHQUdfWDRJWkpqU2xhWWxocXR2M05WaUtPTkhYczlpQlJQcUNodXlRb0ZGZHk3TGxreGc0aGEwV0NJTmZvUUMwVlRYX3lOekZjRHoxWGtzT1RCMEFQMzJ2RUxSai1lTkFWbjczb3IyR3BGVTJZbGVjUQ?oc=5) · WIBX 950

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15516 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "15516", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15516
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide