Valley Agricultural Federal Credit Union Santa Paula, California
Valley Agricultural Federal Credit Union is a federal credit union headquartered in Santa Paula, CA, established in 1966 (NCUA charter 17841), and it is regulated and insured by the NCUA. At Q2 2026 it reported 557 members and total assets of $4.6M (down 4.4% from Q2 2025), the 229th largest of 238 credit unions headquartered in California. Its net worth ratio was 11.55% at Q2 2026, in the well capitalized band.
Also written as Valley Agricultural FCU
BankRegReports is independent of Valley Agricultural Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 17841
- Headquarters
- Santa Paula, CA
- Established
- 1966
- Total assets, Q2 2026
- $4.6M
- Assets vs Q2 2025
- -4.4%
- Members, Q2 2026
- 557
- Net worth ratio, Q2 2026
- 11.55%
- Latest call report
- Q2 2026, NCUA 5300 · Valley Agricultural Federal Credit Union call report
- Asset rank in state
- 229th of 238 in California
- Routing number
- 322282496
- Branches
- 2
It has 16 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was up 0.87 percentage points from 10.68% on June 30, 2025. Used vehicle loans are its largest loan category, $1.2M of $2.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.01% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.55% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in California
Frequently asked about Valley Agricultural Federal Credit Union
How big is Valley Agricultural Federal Credit Union?
At Q2 2026 it reported total assets of $4.6M and 557 members.
Where is Valley Agricultural Federal Credit Union headquartered?
It is headquartered in Santa Paula, CA, United States.
When was Valley Agricultural Federal Credit Union founded?
It was established in 1966, per NCUA records.
Is Valley Agricultural Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 17841): 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 Valley Agricultural Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Valley Agricultural Federal Credit Union well capitalized?
Its net worth ratio was 11.55% 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 Valley Agricultural Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.01% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Valley Agricultural Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Santa Paula, CA 93060
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1966
- NCUA Charter #
- 17841
- RSSD ID
- 67384
- Members
- 557
- Potential members
- 1,000
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 1 of 7 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% | 11.55% | 14.31% | 28th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.32% | 0.72% | 32nd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.77% | 4.74% | 37th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.62% | 3.93% | 77th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 90.94% | 79.83% | 26th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.74% | 0.78% | 53rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.01% | 0.86% | 24th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.36% | 4.70% | 76th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.28% | 58.92% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.6M total assets against $4.9M; $4.1M total shares and deposits against $4.3M; $2.0M total loans against $2.3M.
$536K net worth against $518K.
11.55% net worth ratio against 10.68%.
49.28% loan-to-share ratio against 52.49%.
2.01% delinquency ratio against 0.30%.
0.32% return on assets against 0.28%; 2.77% return on equity against 2.64%.
4.62% net interest margin against 4.64%.
557 members against 573.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.55% | 0.32% | 2.01% | 49.28% |
| March 31, 2026 | 11.19% | 0.10% | 2.62% | 49.30% |
| December 31, 2025 | 11.01% | 0.60% | 0.10% | 51.02% |
| September 30, 2025 | 10.75% | 0.44% | 0.36% | 53.61% |
| June 30, 2025 | 10.68% | 0.28% | 0.30% | 52.49% |
| March 31, 2025 | 10.50% | 0.48% | 0.04% | 55.09% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.