Valley Oak Credit Union

Overview / Commentary
40870 Sierra Dr
Three Rivers, CA 93271

Valley Oak Credit Union is headquartered in Three Rivers and is the 169th largest credit union in the state of California. It is also the 2,042nd largest credit union in the nation. It was established in 1944 and as of March of 2024, it had grown to 21 employees and 6,016 members at 3 locations. Valley Oak Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in the California counties of Madera or . Membership is also open to federal, USPS employees, or military personnel in the California counties of Fresno, Kings, Madera, or Tulare, and other select employee groups.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Valley Oak Credit Union has a relatively low asset base.

Health Grade Components

NCUA #64122
Year Chartered1944
Primary Regulator
Profit Margin
Return on Assets - YTD-0.78%
Return on Equity - YTD-11.88%
Annual Interest Income$796K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$80MM$77.4MM
LoansQ1 2024vs Q1 2023$56.6MM$54MM
DepositsQ1 2024vs Q1 2023$70.8MM$71.6MM
Equity CapitalQ1 2024vs Q1 2023$5.2MM$5.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$431K$252K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$244K$146K
Real Estate OwnedQ1 2024vs Q1 2023$0$0

Rates for Valley Oak Credit Union are currently being reviewed.


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

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