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Overview / Commentary
P.O. Box 70
Halltown, WV 25423

Valley Board Credit Union is headquartered in HALLTOWN and is the 92nd largest credit union in the state of West Virginia. It is also the 6,631st largest credit union in the nation. It was established in 1960 and as of December of 2013, it had grown to 112 members. Valley Board Credit Union has a C+ health rating.

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Data for Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Valley Board Credit Union had $2,000 in non-current loans and owned real-estate with $49,000 in equity and loan loss allowances on hand to cover it. This gives Valley Board Credit Union a Texas Ratio of 4.08% 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 $-54,000, resulting in -41.86% 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 poor.



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 $123,000 in assets with $49,000 in equity, resulting in a capitalization level of 39.84%, which is excellent.

Institution Statistics

NCUA #14045
Year Chartered1960
Primary Regulator
Assets and Liabilities
Equity Capital$48,000
Loan Loss Allowance$1,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - December 2012
Equity Capital$51,000
Loan Loss Allowance$1,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin13.04%
Return on Assets-0.81%
Return on Equity-2.08%
Interest Income$8,000

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