# VALOR
SCRANTON, PA · NCUA charter 9198 · asset band $200-500M · 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/valor-9198

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 20,066 members of 50,960 potential (39.4% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 67.

**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 | $227.6M |
| Members | 20,066 (– YoY) |
| Full-time staff | 44 |
| Net worth | $12.7M |
| Net worth ratio | 5.6% (p0 of band) |
| ROA (annualized) | -0.97% (p2 of band) |
| Total delinquency | 2.20% (p95 of band) |
| Net charge-offs (annualized) | 1.36% (p96 of band) |
| Loans / shares | 70% (p37 of band) |
| Cash / assets | 16.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.40% (p15 of band) |
| Operating expense / assets | 3.22% (p36 of band) |
| Vehicles % of loans | 36% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 239% (p83 of band) |
| Vehicle delinquency | 1.05% (p76 of band) |
| Vehicle NCO | 1.14% (p85 of band) |
| Repossessed % of vehicle book | 0.28% (p90 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 35% |
| Average share balance | $5,524 |
| Participations bought / yr | $1.9M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,212 |
| Loans granted, annualized | $32.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, capital below 7%, losing money, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 7 | charge-offs p90 |  |
| 2016-09 | 7 |  |  |
| 2016-12 | 7 |  |  |

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

- 2026-09-09 [Valor Clinic Foundation to Host “The Patriots Ball” to Support Homeless and Wounded Veterans - The Valley Ledger](https://news.google.com/rss/articles/CBMiTkFVX3lxTE9PMGZXazJnTzlVT1ZhSlJlbjZNVlVmOEkzTU5xV2I3dGp6VE40ZVM3S0QyM0JLWnJTOGVNQnRzSTlYZkpRcDNmcVl5a1BwQQ?oc=5) · The Valley Ledger
- 2017-02-07 [Valor Federal Credit Union Members Vote to Merge with PenFed - PR Newswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxQenVHcU1IeWJFNE5MSGdGeWlwdlhmYzBNZkJYUXBBd2lRRlFRa2ljUF8tOWZCOU9YWFI2QzAwaUFyQ0lndG15a2wwd1YwNU1SbFJWd244N1dlSzJsWEJmMVR5NlVOMUN0d1pOWWRveGpZNFVLRTd3VWxqQmRQeEhMQ3JCckQ1SFAwSXJOdnM5eFR2bWl5NGd4dUltWnlKU1I5VG13Q3RCa1F0Z0p1U0dKUnlEUlMteDg?oc=5) · PR Newswire
- 2016-06-28 [Feds look to seize beachfront Queens co-op from former credit union CEO - Times Leader](https://news.google.com/rss/articles/CBMisAFBVV95cUxOd0NRRkx0WGRwZGJMM05hOEo0VnppR0ZTTHIzZVZySGJHOG5pYVZwUHF0WFcxdzcyVUUyOUlNX2hqcnlMQWFSQlpyNUdPX180RE82S2tRMXA0Wi02UFhzVF9QUHB2R3FoTXRmbmR3OGh1d2FJNllNUGxoV0QzS05HRHVWV2IxOTVkd2k4ZHpmSkRqWDVSa0xjOURjdHgzYUlUdzVyQk5HeHBBV2N0X3dydA?oc=5) · Times Leader
- 2025-03-26 [Fiserv lands payments deal with Pentagon Federal Credit Union - FinTech Futures](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOdGs3dE9oVmVWRG9vMXdwRWZfeGlYZERkTUZOSFFSU3IxSnVFOXM4R2tKOWVpR25ueHNaVlFRUUlVbGk3Y1BTWGwyaEttaGZtVVZJRHRpVGR0QWJFakI3b20xRmxRaEpBSU5EcVZmR2lVVlBMQXRtVXFFVVJYdjRkNzlMTVVDLXZmWGd3UklKV09TRzhHWFhLd0VnOWNZc3JKWklleTZhR0l3NW9fVjE4VGp5Tk9ac1FCY3NROG5MUExaY1k?oc=5) · FinTech Futures
- 2018-01-31 [Credit Union CEO Sentenced to Federal Prison - WNEP](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQOWtENzkwTHR5aDJrOVRqM0ttT0ZZRnRVNDNWX0JNYkgxWHZaSDdSM2JDR0cyUUt5QjFpSUIwaXY3di02SUZ3Y0tBNEw5TE9JZjBRc1cxdHl4bFpobFR1Yi1ROVlKWFhVTlJFbFlKOVQxRl9nOGJrOFppVzlzTjRoZV84dHBZYmU1emhybk9tdllhWkh6MFlseDZCeTZUUnlCY1NNcDhic2dzVm9QeXBLeExSZVZLcVRZakY5ZUpOLUhqaHNkQnV0NktCZVdlWnFKTFRpc1o4aGRlUWM?oc=5) · WNEP
- 2018-01-31 [Former Valor CEO sentenced for bank fraud - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNY1dhOGpVRHNYZVFoN29Yc1libmNadEI2MGcwYzZEVlZMbkxEV3ZFbjZfWXRmcENxc3g2NVpUUUUxOXJEOFJHT2RxZGpDTVh2b3VkV280WmJqUUQ1SXhVNFRDRHhIb19DSFRKdERRd2FfZWJfMXhCNjdCOXoyOFM5X1FTOWZkOXNNWmVKelhjWQ?oc=5) · Scranton Times-Tribune
- 2015-03-14 [Remembering Fallen Officer Robert Wilson III: Funeral for a ‘Warrior' - NBC10 Philadelphia](https://news.google.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?oc=5) · NBC10 Philadelphia
- 2015-03-27 [Good things happening in the Twin Tiers - Star-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxNNF9vUTZCZGNLQlk4NE54UFZMemUtbWxha3JSZ2RnZHM4NXI1OUJJTjExeVkxbzJBblA1aDVvNWNQYW5LLWxiWV93MHpYMm5tNjFhWjJzMkV5UEVHOVJZZDcxWDdvZUF4Tmdpcjd3VWF5RDNtQUNZT1Z2MjhmUW5YTFJTTUxoRmdOVG5abFlmemJvZw?oc=5) · Star-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9198 (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/46.json (key "9198", 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=9198
- 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