Charter 60930 · Tuscumbia, AL
Valley Credit Union (Tuscumbia, AL)
Valley Credit Union is a state-chartered credit union in Tuscumbia, Alabama, with $113 million in assets and 6,130 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.96%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $113 million
- +6.8% in a year
- Members
- 6,130
- +2.7% in a year
- Net worth ratio
- 13.96%
- Peer median 11.65%
- Loans 60+ days late
- 0.20%
- Peer median 0.70%
- Loans outstanding
- $38.4 million
- +5.0% in a year
- Shares and deposits
- $98.2 million
- +6.9% in a year
- Branches
- 7
- 35 employees
- Opened
- 1956
- Alabama charter
How Valley Credit Union compares
NCUA groups credit unions by size; Valley Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.96% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.20%, is lower than the group median of 0.70%. Loans grew 5.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 34 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $113 million | 6,130 | $38.4 million | 13.96% | 0.20% |
| Q1 2026 | $111 million | 6,075 | $37.9 million | 13.99% | 0.27% |
| Q4 2025 | $110 million | 6,032 | $37.7 million | 13.99% | 0.32% |
| Q3 2025 | $109 million | 6,007 | $37.2 million | 14.11% | 0.22% |
| Q2 2025 | $106 million | 5,968 | $36.6 million | 14.40% | 0.09% |
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 275,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for 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.
- VALLEY CREDIT UNION (main office)
200 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 - VALLEY CREDIT UNION
304 S Pine St, Florence, AL 35630 - VALLEY CREDIT UNION
1472 Highway 72, Killen, AL 35645
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