# VALLEY COMMUNITIES
Mosinee, WI · NCUA charter 66430 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/valley-communities-66430

Who the members are: state charter, organized 1935. 15,964 members of 528,000 potential (3.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *quiet fade*. 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 | $304.6M |
| Members | 15,964 (-3.3% YoY) |
| Full-time staff | 66 |
| Net worth | $39.2M |
| Net worth ratio | 12.9% (p71 of band) |
| ROA (annualized) | 1.02% (p73 of band) |
| Total delinquency | 0.38% (p28 of band) |
| Net charge-offs (annualized) | -0.06% (p1 of band) |
| Loans / shares | 59% (p19 of band) |
| Cash / assets | 39.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p45 of band) |
| Operating expense / assets | 3.23% (p31 of band) |
| Vehicles % of loans | 24% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.40% (p35 of band) |
| Vehicle NCO | 0.20% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 5% |
| Average share balance | $8,298 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $28,496 |
| Loans granted, annualized | $41.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (3.9% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 7.7% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-08-27 [Fox Cares tornado relief fund raises $500,000 with credit union match - WBAY](https://news.google.com/rss/articles/CBMiogFBVV95cUxNZ05qUXhtdU0xbk5BNThvRzl3VDdvVzgxSndzbHVrNC1IZ1FMVlM1QTZ3cUg3WXFfYU1NVHNhM0UzNVc5OS03NkpIUHgzYnpUNEVDbmI1R3ZwVGhmbGgySkpDbWF5Tm80b1hBWGsybEhkeUFmbFlvX3VPdEcyaDZHc0VsUko3alBGa3pOZ1hPUjdPUmtmSHZKRHRsSjNETUJHSHfSAbYBQVVfeXFMTksyaEF2OV84LUZvYTdTSXdIU24yN2h0X1FxWUxqSlB6aXMxTWxFcHBTSVQwZlpTVVZyX3dYLXZ5Q1dqYmJtY2xSc2dxLWZjR2dMVlRkTWJGVEdYUlhGcS1qc3B0a0pQdHJaTkxyVWdZczJEZ0pBbS00YndCSE5qb0xZMmxMSENLanlzeDhWR2VvYnJpVGp6S0RvUVJaeTdyNnIwcDdZS3NvMnp2X2dqOGxXazFONXc?oc=5) · WBAY
- 2026-06-08 [Check out the 2026 Lunch by the River lineup in Wisconsin Rapids - Daily Tribune Media](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNWUdTY3RpejBTS3BmV2NOWHZtcWx5RXJIMzc1b1NDRWw3b0lJUW5fRHI0Wng5ZmtNdzhvRWZJbFpSNGFkZ3o3SjZSdDVmV2pfemJORG9YMjNMM3VqM1ZUVHhPVVVtTFk5V09Lbmx5TzhuVFRsdDNmQ3N5NFdIdzZsQ044MFR0ZlZJNG56dDhhdjFMUUNXNWZFUnM3YmY3R1BzVmswQW5zRmJxS0t3bjJkLWNEOHNVY0RFOWctWEx2cVpJdFBJWlI1YUhPV2NTZDVJdlNDR0NMRnhubTliR3NlYVVyUldlQQ?oc=5) · Daily Tribune Media
- 2026-04-16 [John Kesey Obituary Jan 28, 2008 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBYWWZxNW1henBCelN0M1pUVW43T2tOUmtlRnFDbjJXT1diOGxIdkhNbWJWbTlPRTJhTGN2SFlKRzUxemlVdHkyNkxpMndFVENLT3RfcWlYOW9BSlREMjBNOU5Zaw?oc=5) · Peterson Kraemer Funeral Homes & Crematory Inc.
- 2026-07-08 [Help United Way Stuff the Bus - Wisconsin Rapids City Times](https://news.google.com/rss/articles/CBMid0FVX3lxTE5ULUtOMG5VMWFzTWlNMF9PZ2JlWDhuMEFKNDgwR2VXNlZsbU9hQ2JzdlFsMWlieHFFUkk5TUdKS1ZxOC0ydFRqV3NSTUM0MUNMUDdKNlpiSzFuMXFxTjlNdkNpaVFTN21aZmVpZnQ4a3B4REhSeFRV?oc=5) · Wisconsin Rapids City Times
- 2020-01-31 [Wausau Financial Wellness Conference to be held at NTC - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMioAFBVV95cUxPN1BDRFpOUTJXNDhQNklIYnZnazFqbEw3Sk1malcwWlpaRkQxSDBpZHpBUVBhMEdZazc3dHpPQUpmZ1ExOE5USGtVdXR0NWwzYmEzVU9XSVNlWVk5LXNld0RnOHNxSUdnSmRyVmF0dTRHWFVKRUZaOVJmV1hIeFJ3ZjNXaDJ2RV9lZkc0bHdKQ0ctQ19rcHN2ekhlbkF4SUI1?oc=5) · Wausau Pilot & Review
- 2025-08-20 [3 events you don’t want to miss the weekend of Aug. 21-24 in Wausau - Wausau Daily Herald](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOb1lzNHB5TzliQXgzNE5ySmdFUHdOYkJmdGRkcktNZ0NRZjZyN1BjZzZPMVBfR0hCYndaQ0FDX3kwcFpVU3llR2VQSEhMNWJLUHFkbHE4MEc1bHVDcFIxTjVyM2VyU1dPcE9CUFVYdUtJV01BV0wxOEYwSWItbzRoN21ldHdNNExDdWtqTzNHS1NZbk1aT0xvY1JneUsySE9DN00zVmxiR0NCZGZLZ1dwOEppZUNJby1nb3pvNHJnVlFPcUxaSExaYXlHc1JvOHB5d2o2TWs3UQ?oc=5) · Wausau Daily Herald
- 2014-09-02 [Shannon L. Hall Obituary Sep 2, 2014 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9tZlN3dUhIbFB4T2U3UDBYb2ZnYzh5UjlENmZaSnRKd1lnbTBfajJjTkV4Z1k3b0ZMUnl0cm9PRS1DWE1yLUYyZVRjaWtfaDBTV0lsQzNCSzZ4M3NZZlEySnpaeG53Zw?oc=5) · Peterson Kraemer Funeral Homes & Crematory Inc.
- 2019-06-25 [Heidi Pecha Obituary (1976 - 2019) - Mosinee, WI - Wausau Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWUU4aWg0VUJsTmtFMi13aUVQZjA1Wmt3SkR1VzBvdnB5N3k2YV81RTBYbkwwTm5aaUpXRGx5NDFiMkRuZDkzY25iRWxFcFhEY2llN3RRcEY3a2tYT2ROd0RISm44Y2VNazhYbnc3MmFnU3psT28yR2lyNWhRNk9MdVFSWUhGUkxOdmJaTm5LS2lhN0d0Rnln?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66430 (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/62.json (key "66430", 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=66430
- 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