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P.O. Box 70
Halltown, WV 25423

Valley Board Credit Union is headquartered in Harpers Ferry and is the 91st largest credit union in the state of West Virginia. It is also the 6,575th largest credit union in the nation. It was established in 1960 and as of March of 2014, it had grown to 78 members. Valley Board Credit Union has a C+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Valley Board Credit Union has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Valley Board Credit Union had $2,000 in non-current loans and owned real-estate with $48,000 in equity and loan loss allowances on hand to cover it. This gives Valley Board Credit Union a Texas Ratio of 4.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Valley Board Credit Union has decreased its total deposits by $-2,000, resulting in -2.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valley Board Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valley Board Credit Union has $124,000 in assets with $48,000 in equity, resulting in a capitalization level of 38.71%, which is excellent.

Institution Statistics

NCUA #14045
Year Chartered1960
Primary Regulator
Assets and Liabilities
Equity Capital$47,000
Loan Loss Allowance$1,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - March 2013
Equity Capital$49,000
Loan Loss Allowance$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.45%
Return on Assets-3.23%
Return on Equity-8.51%
Interest Income$1,000

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Valley Board Credit Union Locations
Branch Office164 Eyster RdHarpers Ferry, WV 25425