C
Valley Hills Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
14.45
Leverage
Ratio
16.89
Return On
Assets
1.47%
Total
Assets
3.86M
Capital
557.00K
Total
Deposits
3.28M
Net
Income
14.00K
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Weiss Ratings Valley Hills Federal Credit Union
San Bernardino, CA 		Click to
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Rating C
Asset Quality Index 8.20
Capitalization Index 10.00
Liquidity Index 6.30
Profitability Index 5.50
Stability Index 4.30
Company Info Valley Hills Federal Credit Union
San Bernardino, CA 		Click to
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NCUA Charter Number 3301
Phone Number (909) 384-4498
Website www.vhfcu.org
Asset Quality Valley Hills Federal Credit Union
San Bernardino, CA 		Click to
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1-Year Asset Growth 2.07%
5-Year Asset Growth 2.32%
5-Year Charge-Offs to Average Loans 0.47%
Charge-Offs to Average Loans -0.21%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 2.63%
Non-Performing Loans to Loans 0.81%
Balance Sheet Valley Hills Federal Credit Union
San Bernardino, CA 		Click to
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Total Assets 3.86M
Total Deposits 3.28M
Capital and Reserves Valley Hills Federal Credit Union
San Bernardino, CA 		Click to
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Capital 557.00K
Leverage Ratio 16.89
Loan Loss Reserves to Loans 0.76%
Liquidity Valley Hills Federal Credit Union
San Bernardino, CA 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 59.51%
Profitability Valley Hills Federal Credit Union
San Bernardino, CA 		Click to
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5-Year Return on Average Assets 0.41%
Net Income 14.00K
Net Interest Spread 6.24%
Operating Profit to Average Assets 1.47%
Overhead Efficiency Ratio 70.83%
Return on Assets 1.47%
Return on Equity 10.18%