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Valley Oak
Three Rivers, CA · NCUA Charter #64122 · State charter, federally insured · Chartered 1944
Total assets
$82.22M
Shares & deposits
$74.60M
Total loans
$58.25M
Members
6,045
Net worth
$5.64M
Branches
4
Rank: #1,989 of 4,299 U.S. credit unions by assets · #161 of 239 in California. Assets changed 0.3% and membership 2.0% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 6.85% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.17% |
| Loans to shares & deposits | 78.1% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $75.89M | $70.74M | $0 | $5.10M |
| Jun 2023 | $76.37M | $70.29M | $0 | $5.88M |
| Jun 2024 | $77.85M | $71.81M | $0 | $5.73M |
| Jun 2025 | $81.94M | $76.05M | $0 | $5.60M |
| Jun 2026 | $82.22M | $74.60M | $0 | $5.64M |
Branch footprint
| State | Branches |
|---|---|
| California | 4 |
Similar-sized credit unions
Kemba Indianapolis ($82.26M) · Westport ($82.22M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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