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Overview / Commentary
760-245-7170
15445 8th St
Victorville, CA 92395

Victor Valley Federal Credit Union is headquartered in Victorville and is the 287th largest credit union in the state of California. It is also the 4,335th largest credit union in the nation. It was established in 1966 and as of December of 2016, it had grown to 3 employees and 819 members at 1 location. Victor Valley Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership is open to employees of the City of Victorvile, US Post Office Department who work in the boundaries of the Victor Valley Joint Union High School and College District in California, the St. Mary School who work in Apple Valley, California, CEMEX who work in or are paid in Victorville, and other local Select Employer Groups.
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Health
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. Victor Valley Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #17164
Year Chartered1966
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-0.4%
Return on Equity - YTD-5.48%
Annual Interest Income$223.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$9.0MM$9.2MM
LoansQ4 2016vs Q4 2015$2.0MM$2.3MM
DepositsQ4 2016vs Q4 2015$8.3MM$8.5MM
Equity CapitalQ4 2016vs Q4 2015$675.00K$713.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$21.00K$30.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$43.00K$62.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Victor Valley Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$15k*-Regular Share Account
OTHER TIERS: 0.10% Up to $2k | 0.20% $2k - $7,500 | 0.30% $7,500 - $15k
0.40%*$15k*-Christmas Club Account
OTHER TIERS: 0.10% Up to $2k | 0.20% $2k - $7,500 | 0.30% $7,500 - $15k
0.40%*$15k*-Vacation Club Account
OTHER TIERS: 0.10% Up to $2k | 0.20% $2k - $7,500 | 0.30% $7,500 - $15k
0.30%-$250kIRA Share Account

Victor Valley Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$2,500$250kMoney Market Share Draft Account
Locations


Victor Valley Federal Credit Union Locations
Branch Office15445 8th StVictorville, CA 92395