2026-04-02T09:59:27-04:00 2025-12-31 202711127 CREDIT UNION AUDIT GROUP 1709 HERMITAGE BLVD SUITE 200 TALLAHASSEE FL 32308 990 2025-01-01 630421601 VALLEY CREDIT UNION VALL 2563814800 P O BOX 388 TUSCUMBIA AL 35674 DAWN TRUITT CEO/SEC/TREASURER 2563814800 2026-03-30 true MARCUS KING P02401169 2054372176 2026-04-02 2025 2025-03-06 01:10:19Z DAWN TRUITT P O BOX 388 TUSCUMBIA AL 356740388 5385062 false X WWW.VALLEYCREDITUNION.NET X CREDIT UNION 1956 AL CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. 8 8 40 11 0 0 3057439 3275953 1806297 2076705 -2560 32404 4861176 5385062 0 0 1379422 1611017 0 0 3041925 3232238 4421347 4843255 439829 541807 103235318 110380964 90802313 96203497 12433005 14177467 CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 6,032 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. false false 3432824 THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. 1410432 THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. 4843256 false false true false false false false false false true true false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true X 1586 0 true 40 true false false false false false false false false X 8 8 false false false false true true true true true false true false false true true true true true true true false AL X DAWN TRUITT 2563814800 P O BOX 388 TUSCUMBIA AL 356740388 DAWN TRUITT CEO/SEC/TREA 40.00 X X 186550 0 44727 ANTHONY RILEY BOARD PRESID 1.00 X 0 0 0 SANDRA H JAMES BOARD VICE P 1.00 X 0 0 0 DOUG WORLEY BOARD PRESID 1.00 X 0 0 0 ROBERT MULLEN BOARD VICE P 1.00 X 0 0 0 DR JOHN LANDERS BOARD MEMBER 1.00 X 0 0 0 DR RICHARD GARDNER BOARD MEMBER 1.00 X 0 0 0 ROYCE MASSEY BOARD MEMBER 1.00 X 0 0 0 OTIS JOHNSON BOARD MEMBER 1.00 X 0 0 0 TIM MORGAN SUPV COMM ME 1.00 X 0 0 0 BRITTANY GASTON SUPERVISORY 1.00 X 0 0 0 DR TIM MORGAN SUPERVISOR C 1.00 X 0 0 0 186550 44727 1 false true false INTEREST ON LOANS 522291 2444059 2444059 FEE INCOME 522100 831894 831894 3275953 2076705 2076705 OTHER OPERATING INCOME 525990 32404 32404 32404 5385062 5385062 1187389 1187389 138000 138000 192134 192134 93494 93494 230590 230590 327671 327671 59130 59130 1410432 1410432 PROF & OUTSIDE SERVICES 712897 712897 EDUCATIONAL & PROMO 159998 159998 LOAN SERVICING EXP 114243 114243 PROVISION FOR LOAN LOSS 107911 107911 109366 109366 4843255 0 4843255 0 8421077 9303228 9468146 7244754 34958493 37467574 135537 190366 4328146 2006294 2068607 2321852 46863143 52422372 1320315 1430818 103235318 110380964 329324 468539 90472989 95734958 90802313 96203497 X 12433005 14177467 12433005 14177467 103235318 110380964 X 541807 1202655 X X false false false 850687 850687 2495554 1290033 1205521 981905 716261 265644 2321852 ALL OTHER INVESTMENTS 51374332 C PAID IN CAPITAL-ACCU 1048040 C 52422372 ALL OTHER SHARES 49810125 REGULAR SHARES 28517517 SHARE DRAFTS 17407316 95734958 false false false DAWN TRUITT CEO/SEC/TREASURER 180012 6538 44727 231277 FORM 990, PAGE 1, PART I, LINE 6 HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION. FORM 990, PAGE 5, PART V, LINE 3B NO UNREALTED BUSINESS INCOME FORM 990, PAGE 6, PART VI, LINE 6 THE CREDIT UNION IS OWNED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 7A THE BOARD OF DIRECTROS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR. FORM 990, PAGE 6, PART VI, LINE 7B SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 10B POLICIES ARE IN PLACE FORM 990, PAGE 6, PART VI, LINE 11B THE FORM 990 IS REVIEWED BY THE CEO BEFORE IT IS FILED. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST. FORM 990, PAGE 6, PART VI, LINE 12C THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY. FORM 990, PAGE 6, PART VI, LINE 15A COMPENSATION COMMITTEE, WRITTEN CONTRACT, COMPENSATION SURVEY OR STUDY APPROVED BY THE BOARD OR COMPENSATION COMMITTEE. FORM 990, PAGE 6, PART VI, LINE 15B ONLY COMPARABILITY DATA WAS USED IN DETERMINING COMPENSATION FOR THE PRESIDENT/CEO. FORM 990, PAGE 6, PART VI, LINE 19 FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH. FORM 990, PART XI, LINE 9 EQUITY ACQUIRED IN MERGER 0 DUE TO ROUNDING 0 DUE TO ROUNDING 0 ADJUSTMENT FOR CECL 0 FORM 990, PART XII ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.