Sep, 30, 2025 — VALLEY ONE COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in STEUBENVILLE, OH with 1 branch location and about $39.71 million in total assets. Opened 61 years ago in 1965, VALLEY ONE COMMUNITY FEDERAL CREDIT UNION has about 3,720 members and employs 10 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VALLEY ONE COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2990 Johnson Road STEUBENVILLE, OH 43952 |
| Phone: | (740) 264-1402 |
| Fax: | (740) 346-0135 |
| Website: | https://www.valleyonecfcu.com |
| Branches: | 1 branch locations |
| Members: | 3,720 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16756 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1965 |
| Last Audited: | Dec 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $39,712,060 |
| CEO/Manager: | Thomas McNeil |
| Chairperson: | Joseph Diloretta |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,238,235 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,301,973 |
| Unsecured Loans | 825,780 |
| Other Loans | 3,258,289 |
| TOTAL LOANS | 9,386,042 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -98,080 |
| Land And Building | 460,349 |
| Other Fixed Assets | 2,559 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 326,814 |
| All Other Assets | 14,671 |
| TOTAL ASSETS | 39,712,060 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 38,120 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 88,453 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 7,289,743 |
| Regular shares | 23,525,295 |
| All Other Shares & Deposits | 4,201,542 |
| TOTAL SHARES & DEPOSITS | 35,016,580 |
| TOTAL LIABILITIES | 35,143,153 |
| Regular Reserve | 0 |
| Other Reserves | -356,078 |
| Undivided Earnings | 4,924,985 |
| TOTAL EQUITY | 4,568,907 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 39,712,060 |
| INCOME & EXPENSE | |
| Loan Income | 403,076 |
| Investment Income | 557,233 |
| Other Income | 57,087 |
| Total Employee Compensation & Benefits | 375,683 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 396,560 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 5,000 |
| Cost of Funds | 121,493 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 217,268 |
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