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Overview / Commentary
256-381-4800
200 E 6TH ST
TUSCUMBIA, AL 35674

Valley Credit Union (AL) is headquartered in TUSCUMBIA and is the 35th largest credit union in the state of Alabama. It is also the 1,965th largest credit union in the nation. It was established in 1956 and as of March of 2018, it had grown to 22 employees and 6,686 members at 5 locations. Valley Credit Union (AL) has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, attend school or work in Franklin, Colbert, Lauderdale or Lawrence Counties in Alabama.
See current membership details

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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. Valley Credit Union (AL) has a relatively low asset base.

Health Grade Components

Overall
NCUA #60930
Year Chartered1956
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD2.85%
Annual Interest Income$590.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$71.0MM$71.8MM
LoansQ1 2018vs Q1 2017$28.4MM$28.4MM
DepositsQ1 2018vs Q1 2017$58.9MM$60.0MM
Equity CapitalQ1 2018vs Q1 2017$11.9MM$11.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$244.00K$230.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$70.00K$240.00K
Real Estate OwnedQ1 2018vs Q1 2017$672.00K$752.00K
Rates

Rates for Valley Credit Union (AL) are currently being reviewed.

Locations


Valley Credit Union (AL) Locations
Branch Office2500 AVALON AVEMUSCLE SHOALS, AL 35661
Branch Office111 LAUDERDALE ST NERUSSELLVILLE, AL 35653
Branch Office200 E 6TH STTUSCUMBIA, AL 35674
Branch Office180 MAIN STCHEROKEE, AL 35616
Branch Office323 N NASHVILLE AVESHEFFIELD, AL 35660

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