Overview / Commentary
Valley Oak Credit Union is headquartered in Three Rivers and is the 192nd largest credit union in the state of California. It is also the 2,222nd largest credit union in the nation. It was established in 1944 and as of December of 2020, it had grown to 20 employees and 6,285 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, attend school or worship in Tulare or Madera Counties. Membership is also open to federal, USPS employees or military personnel in Tulare, Fresno, Kings and Madera Counties and other select employee groups.
See current membership details
Health
B+
Data as of Q4 2020
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 | -0.07% |
| Return on Equity - YTD | -0.94% |
| Annual Interest Income | $1.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $63.2MM$51.8MM |
| Loans | Q4 2020vs Q4 2019 | $38.5MM$38.4MM |
| Deposits | Q4 2020vs Q4 2019 | $58.0MM$46.6MM |
| Equity Capital | Q4 2020vs Q4 2019 | $4.9MM$4.9MM |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $350.00K$512.00K |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $69.00K$128.00K |
| Real Estate Owned | Q4 2020vs Q4 2019 | $0$0 |