HAPPY VALLEY
State-Chartered • ELIZABETHTON, Tennessee • Est. 1934
Quick Facts
- Charter Number
- #68097
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- ELIZABETHTON, Tennessee 37644
- Address
- P.O. BOX 1838
- Branches
- 4
- ATMs
- 1
- Members
- 3,228
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,228 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HAPPY VALLEY |
|---|---|
| Total Assets | $36.6M |
| Members | 3,228 |
| Loans Outstanding | $9.6M |
| Shares & Deposits | $29.8M |
| Net Worth | $6.5M |
| Net Worth Ratio | 17.87% |
| Loan-to-Share Ratio | 32.1% |
| Delinquency Rate | 0.31% |
| Net Income | +$182,912 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 1 ATMs
Happy Valley Credit Union
Main Office210 E C St
Elizabethton, TN 37643-2722
HP
5555 Windward Pkwy
ALPHARETTA, GA 30004
FISERV SUMMIT
2501 S STATE HIGHWAY 121 BUS
LEWISVILLE, TX 75067
Citizens Bank
300 Broad St
Elizabethton, TN 37643-2700
Who Can Join HAPPY VALLEY?
Membership Type: Community
Membership eligibility for HAPPY VALLEY may vary. Contact the credit union directly to confirm qualification requirements.
Contact HAPPY VALLEY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Tennessee RankingsFrequently Asked Questions
Yes. HAPPY VALLEY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HAPPY VALLEY has 3,228 members and a potential membership field of 8,700 people.
HAPPY VALLEY's net worth ratio is 17.87% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 17.9%, HAPPY VALLEY meets this threshold.
HAPPY VALLEY operates 4 branch locations and has access to 1 ATMs. The main office is located at 210 E C St, Elizabethton, TN 37643-2722.
HAPPY VALLEY was established in 1934. It is a state-chartered credit union chartered under charter number 68097. The institution has been serving members for 92 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HAPPY VALLEY. All financial data is for informational purposes only.