Sep, 30, 2025 — VALLEY FEDERAL CREDIT UNION is a federal credit union headquartered in BROWNSVILLE, TX with 2 branch locations and about $113.85 million in total assets. Opened 91 years ago in 1935, VALLEY FEDERAL CREDIT UNION has about 9,371 members and employs 38 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 FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 183 E Price Rd BROWNSVILLE, TX 78521 |
| Phone: | (956) 546-3108 |
| Fax: | (956) 544-5404 |
| Website: | https://www.vfcu.net |
| Branches: | 2 branch locations |
| Members: | 9,371 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 850 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $113,848,276 |
| CEO/Manager: | Norma S Jasso |
| Chairperson: | Gilbert Sanchez, Jr. |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,418,868 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,653,067 |
| Unsecured Loans | 15,484,294 |
| Other Loans | 48,811,312 |
| TOTAL LOANS | 70,278,532 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -444,382 |
| Land And Building | 2,601,624 |
| Other Fixed Assets | 352,674 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 880,402 |
| All Other Assets | 0 |
| TOTAL ASSETS | 113,848,276 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 998,685 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,401,858 |
| Regular shares | 50,813,421 |
| All Other Shares & Deposits | 25,077,327 |
| TOTAL SHARES & DEPOSITS | 98,292,606 |
| TOTAL LIABILITIES | 99,291,291 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 14,556,985 |
| TOTAL EQUITY | 14,556,985 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 113,848,276 |
| INCOME & EXPENSE | |
| Loan Income | 3,714,901 |
| Investment Income | 1,021,641 |
| Other Income | 1,351,589 |
| Total Employee Compensation & Benefits | 1,894,564 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,817,651 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 379,874 |
| Cost of Funds | 645,338 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 577,433 |
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