Valley State Federal Credit Union
Headquarters
P.o. Box 5366
Saginaw, MI 48603
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2024 Overview
General Credit Union Information
Valley State is an NCUA insured institution located in Saginaw, MI. It was founded in 1955 and has approximately $24.87 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 60775 |
| Date Established | 1955 |
| Assets | $24.87 million |
| Loans | $15.57 million |
| Deposits | $22.47 million |
| Capital | $2.69 million |
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Valley State
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Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Valley State
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.955% | 6.875% | 0.63 | $2,594 | $2,103 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
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Branches
Below are Valley State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Valley State Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 248.40 | A | View Lobby Hours |
Climate Policy and Initiatives
VALLEY STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Valley State Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Valley State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Valley State | U.S. Average |
|---|---|
| 74.75% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Valley State had $2,008,819 in non-current loans and $200,542 in owned assets. To cover these potential losses it had $2,686,088 in net worth and $269,609 in loans loss reserves. That gives it a Texas Ratio of 74.75%.
Net Worth
| Valley State | U.S. Average |
|---|---|
| 11.15% | 13.93% |
Valley State FCU has a net worth of 11.15% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Valley State
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