VALLEY 1ST COMMUNITY
Federal • MONESSEN, Pennsylvania • Est. 1935
Quick Facts
- Charter Number
- #649
- Type
- Federal
- Established
- 1935
- Headquarters
- MONESSEN, Pennsylvania 15062-1008
- Address
- 815 SCHOONMAKER AVE
- Branches
- 2
- ATMs
- 2
- Members
- 7,327
- Membership Type
- Other/Unknown
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
7,327 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY 1ST COMMUNITY |
|---|---|
| Total Assets | $103.3M |
| Members | 7,327 |
| Loans Outstanding | $56.9M |
| Shares & Deposits | $79.2M |
| Net Worth | $23.8M |
| Net Worth Ratio | 23.06% |
| Loan-to-Share Ratio | 71.8% |
| Delinquency Rate | 0.51% |
| Net Income | +$1,378,232 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
VALLEY 1ST COMMUNITY FEDERAL CREDIT UNION
Main Office815 SCHOONMAKER AVE
MONESSEN, PA 15062-1008
VALLEY 1ST COMMUNITY FEDERAL CREDIT UNION
100 SARA WAY
Rostraver Township, PA 15012-1963
Who Can Join VALLEY 1ST COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for VALLEY 1ST COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact VALLEY 1ST COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Pennsylvania RankingsFrequently Asked Questions
Yes. VALLEY 1ST COMMUNITY 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, VALLEY 1ST COMMUNITY has 7,327 members and a potential membership field of 750,000 people.
VALLEY 1ST COMMUNITY's net worth ratio is 23.06% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 23.1%, VALLEY 1ST COMMUNITY meets this threshold.
VALLEY 1ST COMMUNITY operates 2 branch locations and has access to 2 ATMs. The main office is located at 815 SCHOONMAKER AVE, MONESSEN, PA 15062-1008.
VALLEY 1ST COMMUNITY was established in 1935. It is a federal credit union chartered under charter number 649. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or VALLEY 1ST COMMUNITY. All financial data is for informational purposes only.