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P.O. Box 279
Three Rivers, CA 93271

Valley Oak Credit Union is headquartered in Three Rivers and is the 212st largest credit union in the state of California. It is also the 2,392nd largest credit union in the nation. It was established in 1944 and as of December of 2013, it had grown to 26 employees and 6,757 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 Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Valley Oak Credit Union had $292,000 in non-current loans and owned real-estate with $5.71 million in equity and loan loss allowances on hand to cover it. This gives Valley Oak Credit Union a Texas Ratio of 5.11% 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 experienced no significant changes from 1.66% as of December 31, 2012 to 5.11% as of December 31, 2013, resulting in a negative change of 208.48%. This indicates that the balance sheet and financial strength for Valley Oak Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Valley Oak Credit Union has decreased its total deposits by -$1.54 million, resulting in -3.73% 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.



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 $45.28 million in assets with $5.71 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

Institution Statistics

NCUA #64122
Year Chartered1944
Primary Regulator
Assets and Liabilities
Assets$45.28 million
Loans$33.09 million
Deposits$39.78 million
Equity Capital$5.19 million
Loan Loss Allowance$517,000
Unbacked Noncurrent Loans$292,000
Real Estate Owned$0
Historic Data - December 2012
Assets$46.71 million
Equity Capital$4.94 million
Loan Loss Allowance$489,000
Unbacked Noncurrent Loans$292,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.4%
Return on Assets0.56%
Return on Equity4.87%
Interest Income$2.24 million

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Valley Oak Credit Union Savings Account Rates

0.15%$25-Junior Share Account
0.15%--Santa Saver Account
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