Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
409 W Center St
Manteca, CA 95336

Golden Valley Credit Union is headquartered in Manteca and is the 257th largest credit union in the state of California. It is also the 3,183rd largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 7 employees and 2,864 members. Golden Valley Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work or worship within the boundaries of the Manteca Unified School or the Ripon Unified School District. - See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Golden Valley Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Golden Valley Credit Union had $26,000 in non-current loans and owned real-estate with $2.79 million in equity and loan loss allowances on hand to cover it. This gives Golden Valley Credit Union a Texas Ratio of 0.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Golden Valley Credit Union decreased slightly from 1.13% as of March 31, 2013 to 0.93% as of March 31, 2014, resulting in a positive change of 17.26%.This indicates that the balance sheet and financial strength for Golden Valley Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Golden Valley Credit Union has increased its total deposits by $789,000, resulting in 3.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Golden Valley Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Golden Valley Credit Union has $25.8 million in assets with $2.79 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

NCUA #11652
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$25.80 million
Loans$7.35 million
Deposits$23.21 million
Equity Capital$2.54 million
Loan Loss Allowance$243,000
Unbacked Noncurrent Loans$26,000
Real Estate Owned$0
Historic Data - March 2013
Assets$25.02 million
Equity Capital$2.55 million
Loan Loss Allowance$288,000
Unbacked Noncurrent Loans$26,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.41%
Return on Assets-0.2%
Return on Equity-2.04%
Interest Income$153,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Golden Valley Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Golden Valley Credit Union Savings Account Rates

0.15%$200-IRA Shares
0.15%$200-Roth IRA Shares
0.05%$200-Regular Shares
0.05%$200-Christmas Club Shares

Golden Valley Credit Union Locations
Branch Office409 W Center StManteca, CA 95336