# VALLEY COMMUNITY CREDIT UNION
WAYNESBORO, VA · NCUA charter 66893 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/valley-community-credit-union-66893

Who the members are: state charter, organized 1977. 1,199 members of 10,000 potential (12.0% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 42.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.0M |
| Members | 1,199 (– YoY) |
| Full-time staff | 4 |
| Net worth | $275,667 |
| Net worth ratio | 3.5% (p0 of band) |
| ROA (annualized) | -4.84% (p1 of band) |
| Total delinquency | 4.33% (p89 of band) |
| Net charge-offs (annualized) | 3.58% (p97 of band) |
| Loans / shares | 59% (p53 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.24% (p84 of band) |
| Operating expense / assets | 7.64% (p97 of band) |
| Vehicles % of loans | 20% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 4.59% (p92 of band) |
| Vehicle NCO | 8.50% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 16% |
| Average share balance | $3,756 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $8,977 |
| Loans granted, annualized | $837,598 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | charge-offs p90 |  |
| 2016-12 | 7 | capital below 7%, expense trap |  |

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

- 2026-06-18 [Hometown winner moves on to regional round in Star-Spangled Sing-Off - WDBJ7](https://news.google.com/rss/articles/CBMimAFBVV95cUxORVBybWpJS2xXSjNKZVpwZk1DdkZ3M1hZdkd5TF9FSERSR3JEdlA3OTBvdWxSMUhTT3hBREl3N2VYem9ycW5CMkRiZ25BdDdSYlhOYjJRNS1wLWE1cDIyMU1KdHNTRllld3VHVFdIZW55cDZ6RGpuSVBMZ0RaQjBDQ2c3cThoNkEwWjhwd1MxWG9LdFJZRHB6TNIBrAFBVV95cUxQM2t3QVlFYUJBWmN6dUtCQlNwa2JhS2l1R1k1bGJ2LVZOUWNTVHRseEs1NU9HX0NHcjVIU0dRMW9BZkVSYS1CR21xNVJLbE50by1OaG1YNUtCeVZMTVZvSnMxNFhZeXZuWHlJX3h1RFh2aVI1MmI1RTNwODZPOE12a201Q2dONkNmbG1HNmc1SjFMZGZsZE96ZjZvaXNrZWdCMEZUeWVBdjQ5dEll?oc=5) · WDBJ7
- 2026-07-08 [Center for Leadership Excellence honors 2026 graduates | News - Rome Sentinel](https://news.google.com/rss/articles/CBMiywFBVV95cUxNVWRCak9XbE9kMmI2WnBhc3AyclVYbmN4TFN6c2I5QjdwNTM5czF2WXNLOHRtSWQydktWb0pFdGw2OVU1ekxQc3RyM2FndWJURThIcEMxUmdOeWRCU3FmX3NvNmYyWVVDenl4R2RlLXhUajAycDlObnhTS1RkejBPSmhxSWpsbUFTajJSWTFrV01vbG5jTWhJMFFCd1AzQzN6Tjlzc3Njb1ZXNkhXY2Z5SF9jRzgyTF9QTEwxRFQ1a2ZXVnZfdDBibjVYOA?oc=5) · Rome Sentinel
- 2022-06-10 [Ohio Valley Community Federal Credit Union opens new location in Wheeling - WTOV](https://news.google.com/rss/articles/CBMipAFBVV95cUxPLVZUeXRaVXd2YkhfOHhTaFJQaUN3LXNkVXhrZFJCX1IzWkpUZG5MaVdnSDB5czE2cmNWLTJNWXJkUjVaVllPZE80Tzd2emVLTm5uRlJIcjZRcUVhOXFOV21tYXdGYkNvMGlUNjJUOGp1SnhCMFpLY1FNdXA3a3Vab2t3LS01NGtKMU5Td1JfSmFJOXZibURqY0xlcjdKNjNKOE5Pag?oc=5) · WTOV
- 2023-12-01 [November Banking People Moves: Who Stayed, Left and Got Promoted - The Financial Brand](https://news.google.com/rss/articles/CBMirgFBVV95cUxQdWViaG1EMEhJeU9xWjRGbHo0TWdFdTNUVmJIQWxELTlOSDFzb0NrQ2NxNnVIaUNHeGFySVFsdzJQejBZQUJfNnZ4R0dWWV9lYWd5Q3JmUHBJekJ0c2FMeGdUanViVHVpVmRSWkNZMG9nSy1DQ0dLWFJGXzkxZlFRYnVaRDhOVkEtVkgzR1h1TjNqNHFnaFpCRkU4WnZ6OHMzYWl2YWVRdjloZ3hXLXc?oc=5) · The Financial Brand
- 2023-11-06 [ValleyStar Credit Union welcomes Woody Windley as Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxNaFFMUDZmYmxGWm95M0FYMDA3c2g5Vkdra29QbEM3R29mUGtaSkZOSUpnaUtPMG5kZS10cmVxbjJlbjB0eGFTWkZtd0RGTzhRWndWYTdZYjBFRUoxdnc2ZjNGeDJ3MlhyQlZ1VXA2Smd2STZ5RlZValVaNlB3c1ZnZ2FvZnVNVVhmT19YSkJreWJFWWNWajlqVHlVOVJkTGJoZldubUVUVmRSZUVtZGpxaGp3UDU?oc=5) · CUInsight
- 2024-05-28 [End to no-strings-attached free checking raises concerns among some advocates for low-income residents - Cardinal News](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPNVlfczdZOEE3dWI2M2xBcm5vSXU3TC1PQWFmNjZXQ01ZQnRDU2d1MHBWektLN3hjYWdlOHhldGZ3Q29YYXZJYmc2aDBsaXppQVhid2pkOEVWWVdGclp5MkVjRFhUTmhZV0NraTRsSnB1dW8yUFlnZzZWZFpSQlRfSkdueXI0bGQwWTdldUtzTTh4RUhlZ251UHNKMVhRQ25KcUV3X215R2NlTVh4VXJ2MkJZYktMR0JiTUd3LTNta2hBdk5yaEQydHY5NTRPVFVQTGJtUG93?oc=5) · Cardinal News
- 2021-06-05 [Officials Break Ground for Downtown Wheeling Ohio Valley Community Federal Credit Union Branch - The Intelligencer](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOZ25qc21TSW9uWEp3dW40a0Y0MmF4QXd1RHBlWVRDZThvcHZhZnFSSXVMZ1VLMGxuRGpOWkhzUDFseWJPdGRhRnczUjV2ZDNLYTZrcWVGMVFvRGtPYWpFaFRySHRwMW9haG1iWlNKa2NrTHJ6QjBNc0RhUDBFMzF0SW5GNGstZ0hidkRFamZVN2dSVTFSc01Ndk80eE5KS282a0ZQYXZURkI1VDJZMXg5N0hMazZFQWRzR3hxS0NOSURxZGZvUVJfbnhFRmhaZUlmY0Q3aFg0RW1xZE5vdEI0eUhtTVlJdw?oc=5) · The Intelligencer
- 2018-06-25 [Moving Community Foundation Dollars from Wall Street to Main Street - Next City](https://news.google.com/rss/articles/CBMingFBVV95cUxQQ0JSUmVFaDNTdDF5dnJZb3hEQnh3VmQwaTF0STB4dWdkWlR6OVFZNDU2MktBRzdIMWlBaDB0RkprZFV6SHhXU040bGlGeFJWS1o2MW42NnR0S0ZqSHNORVlmdy0zT2JXSThtTU9XRV9kN1hucE5DQ21PU0x0VjVEUHhDMmU5V3hKUWU5azZRbzdpbkxoUDVwZkZsb2l5QQ?oc=5) · Next City

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66893 (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/13.json (key "66893", 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=66893
- 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