Valleystar
Valleystar is a credit union based in Martinsville, Virginia, established in 1953, with $518 million in total assets serving 36,271 members. By Trust Grade it ranks 90th of 95 credit unions we track in Virginia. Its net worth ratio of 10.2% trails most similarly sized credit unions (33th percentile), versus a Virginia median of 11.9%. It posted a loss over the most recent period (-1.31% return on assets), a point to watch. No consumer complaints against Valleystar appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Valleystar compares to Virginia peers
How we graded Valleystar
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.2% capital ratio)
- Unprofitable over the period (ROA -1.31%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Valleystar over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Valleystar insured?
Yes. Valleystar 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.
Valleystar: frequently asked questions
Is Valleystar a good credit union?
Valleystar earns a Bankzia Trust Grade of C (71/100, "Average"), based on a financial-strength score of 71/100 (it has no CFPB complaints on record). Well-capitalized (10.2% capital ratio); Unprofitable over the period (ROA -1.31%).
Is Valleystar NCUA-insured?
Yes. Valleystar 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 Valleystar?
Valleystar holds $518 million in total assets, ranking 90th of 95 credit unions we track in Virginia. It serves 36,271 members.
Does Valleystar have CFPB complaints?
No CFPB complaints against Valleystar 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.
