Monessen, PA 15062


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 649
Date Established 1935
Assets $82.98 million
Loans $26.95 million
Deposits $62.29 million
Capital $19.89 million

Valley 1st Community is an NCUA insured institution located in Monessen, PA. It was founded in 1935 and has approximately $82.98 millions in assets.

Field of Membership Restrictions

Membership is open to those who live, work or worship in the communities of Rostraver Township, Donora, Monessen, Sewickley Township, East Huntingdon Township, South Huntingdon Township, Sutersville, Smithton, Madison, West Newton, Mt. Pleasant or Scottdale and their families.

Deposit Rates - April 19, 2019

Your Current Location: Washington, WA 98109

We do not yet have rates for Valley 1st Community

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Loan Rates - April 19, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for VALLEY 1ST COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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Below are Valley 1st Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Valley 1st Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley 1st Community. 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 1st Community U.S. Average
4.28% 7.49

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 December 31, 2018, Valley 1st Community had $805,537 in non-current loans and $64,038 in owned assets. To cover these potential losses it had $19,893,182 in net worth and $402,649 in loans loss reserves. That gives it a Texas Ratio of 4.28%.

Net Worth
Valley 1st Community U.S. Average
23.97% 13.61%

Valley 1st Community FCU has a net worth of 23.97% versus the BestCashCow average of 13.61. 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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