Charter 68097 · Elizabethton, TN
Happy Valley Credit Union
Happy Valley Credit Union is a state-chartered credit union in Elizabethton, Tennessee, with $36.9 million in assets and 3,233 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 18.25%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $36.9 million
- +1.6% in a year
- Members
- 3,233
- -0.7% in a year
- Net worth ratio
- 18.25%
- Peer median 13.88%
- Loans 60+ days late
- 0.82%
- Peer median 0.68%
- Loans outstanding
- $9.5 million
- +6.4% in a year
- Shares and deposits
- $30.4 million
- +1.4% in a year
- Branches
- 1
- 8 employees
- Opened
- 1934
- Tennessee charter
How Happy Valley Credit Union compares
NCUA groups credit unions by size; Happy Valley Credit Union is in the group with $10 million to $50 million (1,135 credit unions). Its net worth ratio of 18.25% is higher than that group's median of 13.88%, and its share of loans 60 or more days past due, 0.82%, is higher than the group median of 0.68%. Loans grew 6.4% over the year to Q2 2026, against a group median of a 2.4% fall.
By assets it ranks 75 of 125 credit unions headquartered in Tennessee. See all Tennessee credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $36.9 million | 3,233 | $9.5 million | 18.25% | 0.82% |
| Q1 2026 | $36.4 million | 3,228 | $9.4 million | 18.21% | 0.61% |
| Q4 2025 | $36.6 million | 3,228 | $9.6 million | 17.87% | 0.31% |
| Q3 2025 | $35.9 million | 3,246 | $9.4 million | 17.90% | 0.32% |
| Q2 2025 | $36.3 million | 3,257 | $9.0 million | 17.75% | 0.10% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 8,700 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Happy Valley Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Happy Valley Credit Union (main office)
210 E C St, Elizabethton, TN 37643 - 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
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology