Valley Oak Credit Union

Po Box 279
Three Rivers, CA 93271
(559) 561-1420
www.valleyoak.org

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Valley Oak Credit Union is headquartered in Three Rivers and is the 214^st largest credit union in the state of California. It is also the 2,347^th largest credit union in the nation. It was established in 1944 and as of December of 2012, it had grown to 24 employees and 6,414 members. Valley Oak Credit Union has a 5-star health rating.

Valley Oak Credit Union Routing Number: 321178051

5.13 12-Month CD at a California CU (Valley Oak) - 1/11/2008

Valley Oak Credit Union is offering a special 5.13% APY 12-month certificate. The minimum deposit is $25,000. The credit union also has some decent long term rates. An extra 0.25% is available for deposits over $50K and terms of 24 months or longer. This...

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See Rates for: Checking | Savings | Money Market | CD

Valley Oak Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$50	$2k	Premium Plus Checking Account

Valley Oak Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	$25	-	Junior Share Account
0.15%	-	-	Santa Saver Account
0.10%	$25	$250	Regular Share Account

Valley Oak Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$10k	-	Money Market 18 Account

Valley Oak Credit Union CD Rates

Apy	Min	Max	Product
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

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

VALLEY OAK
NCUA #	64122
BankRate Report	View
Year Chartered	1944
Employees	24
Primary Regulator
Assets and Liabilities
Assets	$46.71 million
Loans	$28.70 million
Deposits	$41.32 million
Equity Capital	$4.94 million
Loan Loss Allowance	$489,000
Unbacked Noncurrent Loans	$90,000
Historic Data - December 2011
Assets	$47.14 million
Equity Capital	$4.97 million
Loan Loss Allowance	$686,000
Unbacked Noncurrent Loans	$354,000
Profit Margin - Quarterly
Net Interest Margin	5.74%
Return on Assets	-0.06%
Return on Equity	-0.61%
Interest Income	$1.85 million
Non-Interest Income	$771,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Valley Oak Credit Union had $90,000 in non-current loans and owned real-estate with $5.43 million in equity and loan loss allowances on hand to cover it. This gives Valley Oak Credit Union a Texas Ratio of 1.66% 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 significantly from 6.26% as of December 31, 2011 to 1.66% as of December 31, 2012, resulting in a positive change of 73.51%.This indicates that the balance sheet and financial strength for Valley Oak Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Valley Oak Credit Union has decreased its total deposits by $-627,000, resulting in -1.49% 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 below average.
Capitalization
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 $46.7 million in assets with $5.43 million in equity, resulting in a capitalization level of 11.63%, which is above average.