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P.O. Box 279
Three Rivers, CA 93271

Valley Oak Credit Union is headquartered in Three Rivers and is the 210st largest credit union in the state of California. It is also the 2,395th largest credit union in the nation. It was established in 1944 and as of March of 2014, it had grown to 27 employees and 6,752 members. Valley Oak Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a resident of Tulare County or be a Federal or a United States Postal Services employee living in Tulare or Kings County. Also open to employees of several Select Employee Groups (SEGs). - 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. Valley Oak 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 Valley Oak Credit Union had $136,000 in non-current loans and owned real-estate with $5.69 million in equity and loan loss allowances on hand to cover it. This gives Valley Oak Credit Union a Texas Ratio of 2.39% 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 Valley Oak Credit Union decreased slightly from 2.67% as of March 31, 2013 to 2.39% as of March 31, 2014, resulting in a positive change of 10.37%.This indicates that the balance sheet and financial strength for Valley Oak Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Valley Oak Credit Union has decreased its total deposits by $-727,000, resulting in -1.75% 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 Valley Oak Credit Union has shown is 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. Valley Oak Credit Union has $46.28 million in assets with $5.69 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

Institution Statistics

NCUA #64122
Year Chartered1944
Primary Regulator
Assets and Liabilities
Assets$46.28 million
Loans$32.29 million
Deposits$40.82 million
Equity Capital$5.17 million
Loan Loss Allowance$519,000
Unbacked Noncurrent Loans$136,000
Real Estate Owned$0
Historic Data - March 2013
Assets$46.90 million
Equity Capital$5.13 million
Loan Loss Allowance$346,000
Unbacked Noncurrent Loans$136,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.59%
Return on Assets-0.19%
Return on Equity-1.7%
Interest Income$531,000

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Valley Oak Credit Union Savings Account Rates

0.15%$25-Junior Share Account
0.15%--Santa Saver Account
0.15%--Vacation Club
0.10%$25$250Regular Share Account

Valley Oak Credit Union Money Market Rates

0.25%$10k-Money Market 18 Account

Valley Oak Credit Union Checking Account Rates

0.15%$50$2kPremium Plus Checking Account

Valley Oak Credit Union CD Rates

1.41%$2,500-60 Month CD
1.21%$2,500-48 Month CD
0.96%$2,500-36 Month CD
0.85%$2,500-30 Month CD
0.65%$2,500-24 Month CD
0.55%$2,500-15 Month CD
0.55%$2,500-18 Month CD
0.50%$2,500-12 Month CD
0.40%$2,500-6 Month CD

Valley Oak Credit Union Locations
Branch Office255 E King AveTulare, CA 93274
Branch Office40870 Sierra DrThree Rivers, CA 93271-9696
Branch Office600 W Main StVisalia, CA 93291-6148
Branch Office40870 Sierra DrThree Rivers, CA 93271-9696