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Overview / Commentary
183 E Price Rd
Brownsville, TX 78521-3527

Valley Credit Union is headquartered in Brownsville and is the 168th largest credit union in the state of Texas. It is also the 2,175th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 31 employees and 10,420 members. Valley Credit Union has a A health rating.

Field of Membership Restrictions

If you live, work attend school, and worship in Cameron or Willacy County you are now eligible to join the membership here at Valley federal Credit Union. - See Details

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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 Credit Union has a relatively 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 Credit Union had $182,000 in non-current loans and owned real-estate with $8.09 million in equity and loan loss allowances on hand to cover it. This gives Valley Credit Union a Texas Ratio of 2.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Valley Credit Union experienced no significant changes from 1.25% as of March 31, 2013 to 2.25% as of March 31, 2014, resulting in a negative change of 79.44%. This indicates that the balance sheet and financial strength for Valley Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Valley Credit Union has increased its total deposits by $2.22 million, resulting in 4.84% 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 Credit Union has shown is excellent.



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 Credit Union has $56.12 million in assets with $8.09 million in equity, resulting in a capitalization level of 14.41%, which is excellent.

Institution Statistics

NCUA #850
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$56.12 million
Loans$34.75 million
Deposits$48.07 million
Equity Capital$7.74 million
Loan Loss Allowance$345,000
Unbacked Noncurrent Loans$182,000
Real Estate Owned$0
Historic Data - March 2013
Assets$53.32 million
Equity Capital$7.20 million
Loan Loss Allowance$222,000
Unbacked Noncurrent Loans$182,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.15%
Return on Assets1.55%
Return on Equity11.21%
Interest Income$801,000

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Valley Credit Union Savings Account Rates

0.25%$25-IRA Share Account
0.25%$25-Roth IRA Share Account
0.25%$25-Educational IRA Share Account
0.15%$500-Regular Share Account
0.15%$100-Youth Share Account
0.15%--Christmas Club Account
0.15%$500-Share Secured Account

Valley Credit Union Money Market Rates

0.25%$2,500-Money Market Fund

Valley Credit Union Checking Account Rates

0.10%$500-STAR Checking Account

Valley Credit Union CD Rates

1.92%$10k-60 Month Jumbo Share Certificate
1.00%$10k-48 Month Jumbo Share Certificate
0.95%$10k-36 Month Jumbo Share Certificate
0.90%$10k-24 Month Jumbo Share Certificate
0.70%$1k-36 Month CD
0.60%$1k-30 Month CD
0.60%$10k-18 Month Jumbo Share Certificate
0.50%$1k-24 Month CD
0.50%$10k-12 Month Jumbo Share Certificate
0.40%$1k-18 Month CD
0.30%$1k-12 Month CD
0.25%$10k-6 Month Jumbo Share Certificate
0.20%$1k-6 Month CD

Valley Credit Union IRA Rates

0.80%$1k-30 Month IRA
0.80%$1k-30 Month Roth IRA
0.80%$500-30 Month Educational IRA
0.70%$1k-18 Month IRA
0.70%$1k-18 Month Roth IRA
0.70%$500-18 Month Educational IRA
0.65%$1k-12 Month IRA
0.65%$1k-12 Month Roth IRA
0.65%$500-12 Month Educational IRA

Valley Credit Union Locations
Branch Office183 E Price RdBrownsville, TX 78521-3527
Branch Office6955 FM 802Brownsville, TX 78526
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