Sep, 30, 2025 — VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in TUSCUMBIA, AL with 7 branch locations and about $108.81 million in total assets. Opened 70 years ago in 1956, VALLEY CREDIT UNION has about 6,007 members and employs 32 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 CREDIT UNION |
|---|---|
| Address: (Main Office) | 200 E 6TH ST TUSCUMBIA, AL 35674 |
| Phone: | (256) 381-4800 |
| Fax: | (256) 381-4831 |
| Website: | https://www.valleycreditunion.net |
| Branches: | 7 branch locations |
| Members: | 6,007 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60930 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $108,807,718 |
| CEO/Manager: | DAWN TRUITT |
| Chairperson: | SANDRA H JAMES |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,894,894 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 86,337 |
| Real Estate Loans | 16,787,479 |
| Unsecured Loans | 3,185,127 |
| Other Loans | 17,218,358 |
| TOTAL LOANS | 37,190,964 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -239,143 |
| Land And Building | 2,052,578 |
| Other Fixed Assets | 125,174 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 876,961 |
| All Other Assets | 25,000 |
| TOTAL ASSETS | 108,807,718 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,980 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 467,250 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 17,197,750 |
| Regular shares | 29,086,832 |
| All Other Shares & Deposits | 48,093,577 |
| TOTAL SHARES & DEPOSITS | 94,378,159 |
| TOTAL LIABILITIES | 94,848,389 |
| Regular Reserve | 0 |
| Other Reserves | -273,432 |
| Undivided Earnings | 14,232,761 |
| TOTAL EQUITY | 13,959,329 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 108,807,718 |
| INCOME & EXPENSE | |
| Loan Income | 1,803,035 |
| Investment Income | 1,518,129 |
| Other Income | 610,297 |
| Total Employee Compensation & Benefits | 1,144,933 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,259,959 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 77,911 |
| Cost of Funds | 1,036,505 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 436,270 |
| ↑ Back to Top | |