# VALLEY
Salem, OR · NCUA charter 64169 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/valley-64169

Who the members are: state charter, organized 1957, low-income designated. 6,114 members of 688,681 potential (0.9% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 133.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $117.0M |
| Members | 6,114 (0.3% YoY) |
| Full-time staff | 18 |
| Net worth | $15.1M |
| Net worth ratio | 12.9% (p66 of band) |
| ROA (annualized) | 0.67% (p48 of band) |
| Total delinquency | 4.42% (p99 of band) |
| Net charge-offs (annualized) | 1.69% (p97 of band) |
| Loans / shares | 75% (p61 of band) |
| Cash / assets | 23.3% |
| Borrowings / assets | 1.87% |
| Net interest margin | 3.76% (p57 of band) |
| Operating expense / assets | 3.14% (p31 of band) |
| Vehicles % of loans | 28% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 17% (p46 of band) |
| Vehicle delinquency | 9.07% (p100 of band) |
| Vehicle NCO | 3.82% (p97 of band) |
| Repossessed % of vehicle book | 0.61% (p96 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 40% |
| Average share balance | $5,907 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.3M |
| Loans outstanding per 100 members | 133% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $9,354 |
| Loans granted, annualized | $11.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.3M outstanding purchased (55.1% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 0.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | losing money, margin squeeze, charge-offs p90 |  |
| 2019-06 | 0 |  | losing money, margin squeeze, charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | margin squeeze, delinquency 2x band |  |
| 2021-12 | 2 | delinquency rising | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | charge-offs p90 | delinquency rising |
| 2022-12 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2023-03 | 1 |  | charge-offs p90, loans>95% of shares, leaning on borrowings |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 3 | leaning on borrowings |  |
| 2023-12 | 1 |  | delinquency rising, leaning on borrowings |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 | charge-offs p90 | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 1 |  | charge-offs p90, net worth falling |
| 2025-06 | 3 | delinquency rising, charge-offs p90 |  |
| 2025-09 | 4 | assets shrinking |  |
| 2025-12 | 3 |  | delinquency rising |
| 2026-03 | 4 | net worth falling, repo signal | assets shrinking |

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

- 2026-09-08 [Discover the Benefits of Banking with Fox Valley Credit Union - Shaw Local](https://news.google.com/rss/articles/CBMioAFBVV95cUxNWTkzMWp1Ry1LbDV5cDN4Zkdyb2tzQ3JvMW94OGdpWThhQjBtVnVmUVF5bk01eTlJVjE5YU9iZjEzNDB6OGhzejV2VWs4NjktRGVzbDVOa3Bxb3RUZ0VkbG53V0M4dUo4dGpqbF9sc0Nmb1d2OEZoSk1MQXlKVFBWQXhvYXFScy1hQngwdXI3U2Rwa3drQk9oVXNFU1FvdGk4?oc=5) · Shaw Local
- 2026-09-09 [Give Your Finances a Fall Checkup : Savings Corner Presented by Coosa Valley Credit Union - Coosa Valley News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPZ3F1RVROUmZxMEdKUDFqdDRxaTVWeHY2OUh4Ymo5cGhhQThvWnE3R2htNVowdW5zVUV6eU0zTF9wUjZWWk1RbU9YNVVnZmhNalMzZFFOZFI0QlJvZVFVMVVIeU5Eanh2WUQzU0FfYnFLejVqNzNRa3FRZTE4V1pqVHFiZ3ZRZHgwTjNvTHRzS3haQWMxMEduaWM1WnNHNFVnNW8zWmtoX2RnT1djUUJER1dPeWJGOVVnYVJOaE9qTXp3dw?oc=5) · Coosa Valley News
- 2026-08-28 [Rock Valley Credit Union makes 2026 list of ‘Best Credit Unions to Work For’ - WIFR](https://news.google.com/rss/articles/CBMirwFBVV95cUxPRVJmMW5WV2w2dmRnUGhhOGd4aEVRNmwzVE5ya28ycDRaT2dzc1p0Rl93WUpZRnNDQTVjTjNxSkFTTm9GTnNXR3lOdTJMeWdKdjBycmZwSW8tTEwwZnpZcFlJUjRKRmJ4Y2JEbWxCdzRnOU44WjYwMU5BVHVnMlZMSUVoNmszMUxVektrUEZUcXgyLXk0Rmg1YnE3ZjFDN0doUzNDUDE0UGMwbGJzeDBZ?oc=5) · WIFR
- 2026-09-09 [Mabouya Valley Credit Union Workers Receive NWU Representation - The Voice St. Lucia News](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYUN2dm41TGpPOW9lOF9KYnhybGxtX3FoelB0bHZ0cHNEanA0dkQxYlJjbTJQWEtyRmJTbVM1RmJLajNDNzFwVzdWenFPWGxPc2xFdGhqeFJ0MU95NWplUUxFcHBaNDdDc2xFaTVPakhVQl9MSGd1cEhweGlKaVI4V2dlZ21vaXRnMkozMHlSUXF2QmdGbGZtOFdYYw?oc=5) · The Voice St. Lucia News
- 2026-08-26 [Hudson Valley Credit Union Announces New Hires - Hudson Valley Press](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdEU1eUdMd29ldUR6bW1VVnAxbkRuT2xwWDVzUDZfUFktMEFweVliSkVGcWtKZ25ZRDc5TlRNZWwtWS1aUC1BREk1ckRQYTNyVUxmZ0VoYUZsTlAzRTZHTlZEcUtDZWc1N3hwWkM1ck42cm4xaGFWSnJIVXVXTWhuMzdESUY2aUpKcU41aWJRYjBCdw?oc=5) · Hudson Valley Press
- 2026-07-22 [Washington credit union to buy Oregon bank - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxNMGtTVWZSWUR5NU93WlN1Tm5SWWZVNlR4QWx4RUFLSFpBdm1Gb1dtc1VLNXEtV3JYQ25mZHgwY1lpOXB4RWI4ZmxybmFNQkxqTEc2MjcxcU9oYWIyREgybHRmVFBGNnpHSENjWHBJZjJJYUpZcEF2Q182bmpFQ1VGME5CVU1jV3YtMzVUbl9fT2docU5XV2JuTHZyaUc?oc=5) · Banking Dive
- 2026-06-17 [Central Valley credit union named as one of the best in state by Forbes - KGET.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQWjB2cENRb3c5a3Z5WW9tODlUalhsUmtWb1lVQll3UmR1NW5xZXFXTk50M2FDNXMyRzNreHZnZklWaEVkWVBOOU1fTXR5R2JPZ29HTHU1RDgwSHJkeC1PSFkycEgwa0VjNGRtRlczTFZiTzVZUmd2SDJid0ZpUjJyN2dQSUE0UExhMGE0RUJiNlhiQUg1SWZXcWplTFoyQlI1dVEwenlKaUtNZWkwSEHSAbMBQVVfeXFMTXRndlJ6OHo0WWtHa0taLVVJRi11bGNwcWRweTZyTG5MTnJRSkt0RzJxd1pTWXhZcWhUNGFialQ4bzBzdEhtczNHOFcxWkoxYmhNM2NBX0NVYzExZ0hXMUczWjdQeG5zMkFxMlZXMW5PTmxleWk2UGJFdng5OHNsN3Nxb3ppbHpxU2pLbVM3X2VpUmJQcVhubjBaQ3c4MWctWVpicC1hd1pRUml1X2FPM0dvWGM?oc=5) · KGET.com
- 2026-09-02 [Westchester Children’s Association Awarded Grant from Hudson Valley Credit Union to Expand “Poverty Pulse” Initiative - River Journal Online](https://news.google.com/rss/articles/CBMikgJBVV95cUxOR0F2Z0xWRWNVeGl3MWd4RWdRSEIzS1lxQ211TFVBdmdsX3hNb25xbHB0RUlCaG5FUWl3RE4yQ2hwdGR4enlhWWpjTGYzY3BsVjhMU0tOM0VNUDJweWtLSERkN0RQdGNmY2h3VFpaTGs4N3RFbXI1QWFmVEk4OUVuU1BrWkZrYzFVNjgwQ1pqdlJ6LWRkaVYyZ2FZbGpJNF9kbFBZUlY1NkVlNk9uT2w5ZC1tb1hzRzVUUDhyUm11NTB5YXhkR1Q5VUNhRG1RMzQ0Tzg3b19jTkJ0UVdaSkNkQUpiUU9weWRMR0dFRF9Tek1taGNKcnZoOHdYT0lYNW1DM0loUFpLaUpsUVVmOGtLeDdR?oc=5) · River Journal Online

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64169 (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/41.json (key "64169", 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=64169
- 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