# VALLEY
Brownsville, TX · NCUA charter 850 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/valley-850

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated, minority depository institution. 9,380 members of 19,905 potential (47.1% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $118.8M |
| Members | 9,380 (1.1% YoY) |
| Full-time staff | 37 |
| Net worth | $14.9M |
| Net worth ratio | 12.6% (p62 of band) |
| ROA (annualized) | 0.35% (p28 of band) |
| Total delinquency | 0.34% (p26 of band) |
| Net charge-offs (annualized) | 0.71% (p79 of band) |
| Loans / shares | 71% (p53 of band) |
| Cash / assets | 31.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.47% (p87 of band) |
| Operating expense / assets | 5.46% (p93 of band) |
| Vehicles % of loans | 67% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.13% (p15 of band) |
| Vehicle NCO | 0.20% (p30 of band) |
| Repossessed % of vehicle book | 0.15% (p84 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 19% |
| Average share balance | $6,216 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $11,208 |
| Loans granted, annualized | $39.2M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | net worth falling, margin squeeze |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 1 |  | margin squeeze |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | repo signal |  |
| 2019-06 | 2 | charge-offs p90 | repo signal |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | members leaving | charge-offs p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze | members leaving |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising | assets shrinking |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | auto monoline |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-28 [Hudson Valley Credit Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9WaW5ua3g4LW55NnFEb1FBT1ZVUjlhZUppVmZkdWsweGdUYVZ0M3kxSmZOOTNGeGViX1BUTG5pVVE1TllJX3cwaUh6c3NJY2EyN3Y5M05vMUtvUHZaMGZuc0VWZzIzazBMaGt2bGt3UW02dVU5WE9B?oc=5) · reveliolabs.com
- 2026-06-09 [John Bourgeault Obituary - Frisco, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNbjhOWS1kTnVCVEFVakdMY1BPSm95ZEJvS0ZpeElRZWJrVWp0TVdiZkxnbHZ5M0VYRF9abnVpMG0wTHlLQWQtck1pRUVnR01SX1JsTVp1WWFhWnFURG5XcXBwRTJDQWJaTHozRVA5SEtZenBzRjBqdmxXSmNvMEkxclJyUQ?oc=5) · Dignity Memorial
- 2025-04-26 [NIU Athletics Announces Partnership with Rock Valley Credit Union - NIU Athletics](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbXZYb2lLckVnU0VKd05rVGdoWkE3YXRROS1QbDhlWENPQjl3S09lMmlFNG1qQ2R0Z1dNVVZKVlhHNkhHbEJkYWpUelRVdkxNd3RIVFl3Sk9XUzI3UktkYTFSZDF2QndMb2pwbXBkV2xHcnhwaVVZTUNZZ3ZhclZwSHlBd1dnTGxJT2pwN1owSm9iRDl4VXh5R0t1QUlaVk9GUGpCY3U5UWZ6VGlEdmxDUk40YllWWWJO?oc=5) · NIU Athletics
- 2024-01-11 [NY credit union eyes 1st whole-bank purchase of 2024 - Banking Dive](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOOERZSTNKUzlyanFpRDJrMlZzdVZ6aGZDMEhadExJOUlVMTFLLVNqSWJTeVJwSHJkYjBWbWpkN0Y3ZVF3RTJUekoyY21xNVNwbUd4V09BcWVYQlJIeXdSdGluTnhKbC1LNFJ4TWs0YXR3NmJUWU85OW13cFUwdm9OV2FqdnVDc2FjeGxfb184amhOY1JKNUtvNnZBWl9RSmVObnhlWnltUDFCUHY1NVhDZXlZQ3N1clEzMUdV?oc=5) · Banking Dive
- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 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
- 2025-08-21 [Hudson Valley Credit Union hires new chief AI officer - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYU5uOExRZEtqajdQRm1aS2J2b2l3dFBKZzJDc29tcW5fTjd6Sl9pdlJfdFNiN3RfWGdBVTg5dmJ3UHlDQU5KZ1d1VkkyejZGOEQ1TXgzN2dSOGRiYTBKNUx3RjN0ZnZqczJ5U0syWG9OSHVNU3JFT09QYl9CYUJrS2NZSFI3cXN1aWlTMU8wdjZyMnZkNC05Q0p0VFEzb2pW?oc=5) · The Business Journals
- 2023-10-06 [Credit Union of Texas SMART Branch - Richardson ISD](https://news.google.com/rss/articles/CBMibkFVX3lxTE9aZkxvSVJWQUpJb1dFN01IREV0MnRHSWdEY3ZpeXdPSVRsNHV3ZjAxTjdxRWhxM09WaDBEVlBkbnNCaUV6WmVtYmo5SjREcTFDSDZuMEdybnhfQUNzNldIcFIxa0JSal93czVFMmNB?oc=5) · Richardson ISD

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=850 (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/18.json (key "850", 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=850
- 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