Mountain Valley Federal Credit Union


Overview / Commentary
518-643-9915
700 Bear Swamp Rd
Peru, NY 12972

Mountain Valley Federal Credit Union is headquartered in Peru and is the 138th largest credit union in the state of New York. It is also the 2,641st largest credit union in the nation. It was established in 1963 and as of June of 2021, it had grown to 15 employees and 3,901 members at 4 locations. Mountain Valley Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Mountain Valley Federal Credit Union is open to anyone who lives, works, volunteers, goes to school, or worships in Clinton or Essex County. Family members of Mountain Valley FCU members are also welcome to join.
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Health
B+
Additional 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. Mountain Valley Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #15516
Year Chartered1963
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.32%
Annual Interest Income$697.00K
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$43.5MM$29.3MM
LoansQ2 2021vs Q2 2020$27.1MM$16.9MM
DepositsQ2 2021vs Q2 2020$39.8MM$26.0MM
Equity CapitalQ2 2021vs Q2 2020$3.5MM$3.3MM
Loan Loss AllowanceQ2 2021vs Q2 2020$65.00K$85.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$34.00K$21.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Rates
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Mountain Valley Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Share (Savings)
0.25%--Sub-Share

Mountain Valley Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%--24 Month Share Certificate
0.50%--12 Month Share Certificate
Locations


Mountain Valley Federal Credit Union Locations
Branch Office700 Bear Swamp RdPeru, NY 12972
Branch Office2499 NYS Route - 9NAu Sable Forks, NY 12912
Branch Office1716 Front StKeeseville, NY 12944
Branch Office5790 NYS Route 86Wilmington, NY 12997

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