# VALLEY
TUSCUMBIA, AL · NCUA charter 60930 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/valley-60930

Who the members are: state charter, organized 1956. 6,075 members of 275,000 potential (2.2% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $111.3M |
| Members | 6,075 (2.8% YoY) |
| Full-time staff | 25 |
| Net worth | $15.6M |
| Net worth ratio | 14.0% (p77 of band) |
| ROA (annualized) | 0.46% (p34 of band) |
| Total delinquency | 0.27% (p21 of band) |
| Net charge-offs (annualized) | 0.68% (p78 of band) |
| Loans / shares | 39% (p7 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.97% (p13 of band) |
| Operating expense / assets | 3.10% (p29 of band) |
| Vehicles % of loans | 38% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.51% (p48 of band) |
| Vehicle NCO | 0.95% (p72 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 34% |
| Average share balance | $8,331 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 31% |
| Average loan balance | $11,578 |
| Loans granted, annualized | $14.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 | members leaving | delinquency rising, net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | net worth falling | members leaving |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | net worth falling |  |
| 2024-03 | 1 | delinquency rising | net worth falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 1 |  |  |

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

- 2025-10-29 [Historic bank building hits auction block - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZ1hseFgwaTVyaEJUYUxaN2MwbjAxYTZyTEttLXRmU2F2QXpQNnNfSDAyVTBKLVpOYm5kQTI2ZW5HZGdvZWJBbS1ZcGVpM1hCS1FSUVFzLW00TC1sclh3cllUSFpUNDBKOTRPeTVVeU5HWUQ2UmFDZS1YWFJCYThIUXI2LXlTWlEtX3lNbEpDLWkyU3ZPM3BZbHdjM2J0TnVr?oc=5) · The Business Journals
- 2025-09-16 [Heart Of The Valley YMCA Emerges From Bankruptcy, Poised For Renewal - Huntsville Business Journal](https://news.google.com/rss/articles/CBMivwFBVV95cUxNQ21EaXF5bzBNSFJObXhsa01adVNqUTJmZW5aV2RKbVI1dnZvcVduV3I3RjdQcVBpZnV0bkswcDNmN0t5M0pITi1uZ0U4bllPa256dFJGV1BhczZPbV9rQWNxMVVTMmlrQ19FdjZDVk54X2FyeWRQc1V0NTBZZXRhclRZb0l2S203RzJrVVlBdEhUV2J0NkxIZmotLUNUaVRyUnNVRWZsREJxUkV2Z3pOVjNTRThNZ0ZNdW1yM0UzTQ?oc=5) · Huntsville Business Journal
- 2026-08-10 [Coosa Valley Arrest Reportstimeline Friends2 - Oma Erto](https://news.google.com/rss/articles/CBMifEFVX3lxTE16V2tGVG5Mb2FBTFlHM0Jfekg5STZLV2RTcjNLclRSMC16MVZYYXdpYllhNVlCeXZYNDJFYVpaTjg4ejAwOE16RnFzR0FVcVU3OE5QT20wVWhER04xbGZ3NUtqU1oyNW5OcW11N2ZHaW45MVNoVkdpR1Nxdmc?oc=5) · Oma Erto
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-06-03 [ModernFi CUSO Sets New Industry Standard: Credit Unions Can Now Offer $15 Million in NCUA Insurance* per Account - Business Wire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxObWNka0d2R3VXQjJJbWpLdVFGN3hhbkJTWEVVLXhxX05TeFNFdVlxb1RJbGFoa3J6X0gwQmVaMV9EOUtFZElqdElkSzJnS3RwckNTblljUkRlejlIcThxcUZEWVV6ZW45aVg0NUdqdHotZjBya3lFU2JiNVp2aFhzeTVqZ1UxRm9FblFtVTdkMTZoNnpKOXpPLWY5NE9NcXhEQUZZWGVQM1VSY3I1THZadlZNYmk2ZzFPcU5mY3laNjlJQ2FSdkJxZlBZMVppRXNvcEI3bThXMUh6d0RCQk42UERoWXJNQ0NjYW44TFI3V180LU9ZMjdSYzBBQTVQUQ?oc=5) · Business Wire
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2024-10-25 [HVCU Announces Promotes Staff to Senior Region Managers - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMimgFBVV95cUxOU1Jaem9TbDB1RFJKS2J6WFhGVmVWVWh0SGx2d1Q3dGg3cndpa3hkUDJIeHN3NGZsenZ4dldRV0xWdWpZc2txYkhqaW1OajBFT0xSdWJjWUpmbktERndRRHY2ZnFlUVcxY0g1QV95d1lzRjJSZjBqbHZwUGt0RTZyazRBU2lXVFZHdXRBNml6NnE1THJ3UzVDd1l3?oc=5) · Capital Region Chamber of Commerce
- 2018-12-27 [Matanuska Valley Federal Credit Union CEO retires after 43 years of service - frontiersman.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaFVFVk5EbnMteHcwYVNWZkFQX284dGJXQWZ5ZE1GNFBUSlNMdFMtSjBxVUxrLXpJU3FlZU5mZGNPX3RPOXNBWERJQV9pSXlXNGtCOGpUTXJPQlhRY3YwUWJnc0lHYjllQl9Bb3R4WnB3WFVrX1pQSHRsYzBKdzV6SW9waGt3dFlLSkNwandHM2FWLTZYdXo3ZXNldUlSM1FGaGNvZk5mQWo?oc=5) · frontiersman.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60930 (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/2.json (key "60930", 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=60930
- 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.

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