Overview / Commentary
Valley Oak Credit Union is headquartered in Three Rivers and is the 167th 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 December of 2024, it had grown to 20 employees and 5,976 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
Health
B+
Data as of Q4 2024
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| NCUA # | 64122 |
| Year Chartered | 1944 |
| Employees | 20 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.23% |
| Return on Equity - YTD | -3.47% |
| Annual Interest Income | $3.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $78.2MM$78.3MM |
| Loans | Q4 2024vs Q4 2023 | $53.2MM$57.7MM |
| Deposits | Q4 2024vs Q4 2023 | $72.5MM$66.9MM |
| Equity Capital | Q4 2024vs Q4 2023 | $5.2MM$5.3MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $330K$429K |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $370K$277K |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |