Overview / Commentary
Happy Valley Credit Union is headquartered in Elizabethton and is the 77th largest credit union in the state of Tennessee. It is also the 2,713th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 8 employees and 3,298 members at 1 location. Happy Valley Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership with Happy Valley Credit Union is open to anyone who work, worships or lives, within one of their census tract areas of Carter County, TN. Additionally, employees of one of the many select employer groups are also eligible for membership.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Happy Valley Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68097 |
| Year Chartered | 1934 |
| Employees | 8 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.05% |
| Return on Equity - YTD | 0.3% |
| Annual Interest Income | $349K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $36.8MM$36.9MM |
| Loans | Q1 2025vs Q1 2024 | $9.1MM$9.3MM |
| Deposits | Q1 2025vs Q1 2024 | $30.5MM$30.8MM |
| Equity Capital | Q1 2025vs Q1 2024 | $6.4MM$6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $94K$92K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $33K$27K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |