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Overview / Commentary
164 Eyster Rd
Harpers Ferry, WV 25425

Valley Board Federal Credit Union is headquartered in Harpers Ferry and is the 87th largest credit union in the state of West Virginia. It is also the 5,871st largest credit union in the nation. It was established in 1960 and as of December of 2016, it had grown to 82 members at 1 location. Valley Board Federal Credit Union has a B health rating.


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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. Valley Board Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #14045
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD-0.74%
Return on Equity - YTD-2.63%
Annual Interest Income$10.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$134.00K$127.00K
LoansQ4 2016vs Q4 2015$93.00K$88.00K
DepositsQ4 2016vs Q4 2015$96.00K$87.00K
Equity CapitalQ4 2016vs Q4 2015$38.00K$40.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$1,000$0
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$0$0
Real Estate OwnedQ4 2016vs Q4 2015$0$0

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