VALLEY
Federal • Brownsville, Texas • Est. 1935
Quick Facts
- Charter Number
- #850
- Type
- Federal
- Established
- 1935
- Headquarters
- Brownsville, Texas 78523-4700
- Address
- P.O. Box 4700
- Branches
- 2
- ATMs
- 1
- Members
- 9,380
- 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
9,380 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY |
|---|---|
| Total Assets | $112.4M |
| Members | 9,380 |
| Loans Outstanding | $71.0M |
| Shares & Deposits | $96.6M |
| Net Worth | $14.8M |
| Net Worth Ratio | 13.20% |
| Loan-to-Share Ratio | 73.5% |
| Delinquency Rate | 0.67% |
| Net Income | +$1,351,254 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Main Office
Main Office183 E Price Rd
Brownsville, TX 78521
Harlingen Branch
1613 W Filmore Ave
Harlingen, TX 78550-6270
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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View Texas 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 9,380 members and a potential membership field of 19,905 people.
VALLEY's net worth ratio is 13.20% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.2%, VALLEY meets this threshold.
VALLEY operates 2 branch locations and has access to 1 ATMs. The main office is located at 183 E Price Rd, Brownsville, TX 78521.
VALLEY was established in 1935. It is a federal credit union chartered under charter number 850. 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. All financial data is for informational purposes only.