VALLEY
State-Chartered • TUSCUMBIA, Alabama • Est. 1956
Quick Facts
- Charter Number
- #60930
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- TUSCUMBIA, Alabama 35674
- Address
- P.O. BOX 388
- Branches
- 7
- ATMs
- 6
- Members
- 6,032
- 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
6,032 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY |
|---|---|
| Total Assets | $110.4M |
| Members | 6,032 |
| Loans Outstanding | $37.7M |
| Shares & Deposits | $95.7M |
| Net Worth | $15.4M |
| Net Worth Ratio | 13.99% |
| Loan-to-Share Ratio | 39.3% |
| Delinquency Rate | 0.32% |
| Net Income | +$649,717 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 6 ATMs
VALLEY CREDIT UNION
Main Office200 E 6TH ST
TUSCUMBIA, AL 35674
VALLEY CREDIT UNION
111 LAUDERDALE ST NE
RUSSELLVILLE, AL 35653
VALLEY CREDIT UNION
2500 AVALON AVE
MUSCLE SHOALS, AL 35661
VALLEY CREDIT UNION
323 N NASHVILLE AVE
SHEFFIELD, AL 35660
VALLEY CREDIT UNION
180 MAIN ST
CHEROKEE, AL 35616
Who Can Join VALLEY?
Membership Type: Community
Membership eligibility for VALLEY may vary. Contact the credit union directly to confirm qualification requirements.
Contact VALLEY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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Browse all federally insured credit unions in Alabama, ranked by assets, members, and financial health score.
View Alabama RankingsFrequently Asked Questions
Yes. 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, VALLEY has 6,032 members and a potential membership field of 275,000 people.
VALLEY's net worth ratio is 13.99% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.0%, VALLEY meets this threshold.
VALLEY operates 7 branch locations and has access to 6 ATMs. The main office is located at 200 E 6TH ST, TUSCUMBIA, AL 35674.
VALLEY was established in 1956. It is a state-chartered credit union chartered under charter number 60930. The institution has been serving members for 70 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. All financial data is for informational purposes only.