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Overview / Commentary
1185 W Hedges Avenue
Fresno, CA 93728

Greater Valley Credit Union is headquartered in Fresno and is the 249th largest credit union in the state of California. It is also the 2,960th largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 5 employees and 2,606 members. Greater Valley Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a California State employee or retiree. Also open to those who live or work in Fresno County or Madera Ranchos. - See Details

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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. Greater 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 Greater Valley Credit Union had $174,000 in non-current loans and owned real-estate with $4.34 million in equity and loan loss allowances on hand to cover it. This gives Greater Valley Credit Union a Texas Ratio of 4.01% 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 Greater Valley Credit Union experienced no significant changes from 0.32% as of March 31, 2013 to 4.01% as of March 31, 2014, resulting in a negative change of 1,139.99%. This indicates that the balance sheet and financial strength for Greater Valley Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Greater Valley Credit Union has increased its total deposits by $23,000, resulting in 0.09% 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 Greater Valley Credit Union has shown is above average.



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. Greater Valley Credit Union has $30.34 million in assets with $4.34 million in equity, resulting in a capitalization level of 14.30%, which is excellent.

Institution Statistics

NCUA #64660
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$30.34 million
Loans$10.31 million
Deposits$26.09 million
Equity Capital$4.07 million
Loan Loss Allowance$272,000
Unbacked Noncurrent Loans$174,000
Real Estate Owned$0
Historic Data - March 2013
Assets$30.31 million
Equity Capital$4.05 million
Loan Loss Allowance$283,000
Unbacked Noncurrent Loans$174,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.11%
Return on Assets0.01%
Return on Equity0.1%
Interest Income$164,000

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Greater Valley Credit Union Savings Account Rates

0.15%$10k-Regular Shares Savings Account

Greater Valley Credit Union Money Market Rates

0.25%$50k-Money Market Account

Greater Valley Credit Union Checking Account Rates

0.05%$500-Prime Checking Account
0.05%$1k-Premium Checking Account

Greater Valley Credit Union CD Rates

0.95%$1k-48 Month Share Certificate
0.95%$1k-60 Month Share Certificate
0.70%$50k-36 Month Share Certificate
0.50%$1k-30 Month Share Certificate
0.45%$1k-24 Month Share Certificate
0.35%$1k-12 Month Share Certificate
0.35%$1k-18 Month Share Certificate
0.30%$1k-6 Month Share Certificate
0.25%$1k-3 Month Share Certificate

Greater Valley Credit Union IRA Rates

0.95%$500-48 Month IRA Certificate
0.95%$500-60 Month IRA Certificate
0.70%$50k-36 Month IRA Certificate
0.50%$500-30 Month IRA Certificate
0.45%$500-24 Month IRA Certificate
0.35%$500-12 Month IRA Certificate
0.35%$500-18 Month IRA Certificate
0.30%$500-6 Month IRA Certificate
0.25%$500-3 Month IRA Certificate

Greater Valley Credit Union Locations
Branch Office1185 W Hedges AveFresno, CA 93728-1219