Greater Valley Credit Union Fresno, California
Greater Valley Credit Union is a state-chartered credit union headquartered in Fresno, CA, established in 1939 (NCUA charter 64660), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,070 members and total assets of $34.4M (up 3.8% from Q2 2025), the 199th largest of 238 credit unions headquartered in California. Its net worth ratio was 14.42% at Q2 2026, in the well capitalized band.
Also written as Greater Valley CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64660
- Headquarters
- Fresno, CA
- Established
- 1939
- Total assets, Q2 2026
- $34.4M
- Assets vs Q2 2025
- +3.8%
- Members, Q2 2026
- 2,070
- Net worth ratio, Q2 2026
- 14.42%
- Latest call report
- Q2 2026, NCUA 5300 · Greater Valley Credit Union call report
- Asset rank in state
- 199th of 238 in California
- Routing number
- 321172442
- Branches
- 2
It has 1 more member than on June 30, 2025. Its net worth ratio was up 0.19 percentage points from 14.23% on June 30, 2025. Used vehicle loans are its largest loan category, $4.9M of $12.6M in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Frequently asked about Greater Valley Credit Union
How big is Greater Valley Credit Union?
At Q2 2026 it reported total assets of $34.4M and 2,070 members.
Where is Greater Valley Credit Union headquartered?
It is headquartered in Fresno, CA, United States.
When was Greater Valley Credit Union founded?
It was established in 1939, per NCUA records.
Is Greater Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64660): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Greater Valley Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Greater Valley Credit Union well capitalized?
Its net worth ratio was 14.42% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Greater Valley Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 43.24% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fresno, CA 93728
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 64660
- RSSD ID
- 794699
- Members
- 2,070
- Potential members
- 15,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.42% | 14.31% | 51st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.66% | 0.72% | 47th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.56% | 4.74% | 49th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.02% | 3.93% | 18th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 77.38% | 79.83% | 55th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.03% | 0.78% | 36th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.05% | 4.70% | 20th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 43.24% | 58.92% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$34.4M total assets against $33.2M; $29.2M total shares and deposits against $28.3M; $12.6M total loans against $11.8M.
$5.0M net worth against $4.7M.
14.42% net worth ratio against 14.23%.
43.24% loan-to-share ratio against 41.75%.
0.66% return on assets against 0.70%; 4.56% return on equity against 4.89%.
3.02% net interest margin against 2.81%.
2,070 members against 2,069.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.42% | 0.66% | — | 43.24% |
| March 31, 2026 | 14.68% | 0.66% | 0.01% | 45.55% |
| December 31, 2025 | 14.43% | 0.78% | 0.27% | 42.48% |
| September 30, 2025 | 14.15% | 0.77% | — | 42.72% |
| June 30, 2025 | 14.23% | 0.70% | — | 41.75% |
| March 31, 2025 | 14.05% | 0.59% | 0.09% | 41.74% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.