Happy Valley
Happy Valley is a credit union based in Elizabethton, Tennessee, established in 1934, with $36 million in total assets serving 3,228 members. By Trust Grade it ranks 34th of 126 credit unions we track in Tennessee. Its net worth ratio of 18.2% is stronger than 72% of similarly sized credit unions, versus a Tennessee median of 13.9%. It was profitable over the most recent period, with a 1.02% return on assets. No consumer complaints against Happy Valley appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Happy Valley compares to Tennessee peers
How we graded Happy Valley
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.2% capital ratio)
- Strongly profitable (ROA 1.02%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Happy Valley over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Happy Valley insured?
Yes. Happy Valley is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Happy Valley: frequently asked questions
Is Happy Valley a good credit union?
Happy Valley earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (18.2% capital ratio); Strongly profitable (ROA 1.02%).
Is Happy Valley NCUA-insured?
Yes. Happy Valley is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Happy Valley?
Happy Valley holds $36 million in total assets, ranking 34th of 126 credit unions we track in Tennessee. It serves 3,228 members.
Does Happy Valley have CFPB complaints?
No CFPB complaints against Happy Valley appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
