PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valley

Tuscumbia, AL · Charter 60930

NCUA · 7 branches

Q2 2026

$112.9MAssets
$38.4MLoans
$98.2MShares
$15.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, down 1 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.20% of loans (+10 bps YoY).
  • Capital: net worth / assets of 13.96%, down 44 bps from a year ago.
  • Funding: loans stand at 39.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+25 bps YoY

Efficiency Ratio (YTD, annualized)

82.62%+34 bps YoY

Net Worth / Assets

13.96%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.53%0.49%0.46%0.55%-1 bps
Return on Equity3.88%3.79%3.51%3.29%3.96%+7 bps
Net Interest Margin2.79%2.80%2.82%2.97%3.04%+25 bps
Efficiency Ratio82.28%82.39%83.65%82.84%82.62%+34 bps
Growth
Asset Growth (YoY)2.78%5.54%6.92%6.23%6.82%+404 bps
Loan Growth (YoY)5.17%6.19%7.26%8.03%5.01%-16 bps
Share Growth (YoY)1.85%5.61%5.82%6.04%6.90%+504 bps
Asset Quality
Delinquent Loans / Loans0.09%0.22%0.32%0.27%0.20%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.40%14.11%13.99%13.99%13.96%-44 bps
Net Worth / Assets14.40%14.11%13.99%13.99%13.96%-44 bps
Liquidity & Funding
Loans / Shares39.82%39.41%39.33%39.17%39.12%-70 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps