Mountain Valley Federal Credit Union
207 Main Avenue
Nitro, WV 25143
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2023 Overview
General Credit Union Information
Mountain Valley is an NCUA insured institution located in Nitro, WV. It was founded in 1935 and has approximately $6.76 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 247 |
| Date Established | 1935 |
| Assets | $6.76 million |
| Loans | $2.56 million |
| Deposits | $5.91 million |
| Capital | $0.83 million |
Deposit Rates - November 28, 2023
Your Current Location: Virginia, VA 20146
We do not yet have rates for Mountain Valley
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Loan Rates - November 28, 2023
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for Mountain Valley
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
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Branches
Below are Mountain Valley 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:
Ashburn,Virginia
Climate Initiatives
MOUNTAIN VALLEY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
Mountain Valley Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Mountain Valley. 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
| Mountain Valley | U.S. Average |
|---|---|
| 0.03% | 4.93 |
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, 2023, Mountain Valley had $292 in non-current loans and $0 in owned assets. To cover these potential losses it had $827,479 in net worth and $10,509 in loans loss reserves. That gives it a Texas Ratio of 0.03%.
Net Worth
| Mountain Valley | U.S. Average |
|---|---|
| 12.23% | 13.17% |
Mountain Valley FCU has a net worth of 12.23% versus the BestCashCow average of 13.17. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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