Valley Oak Credit Union Three Rivers, California
Valley Oak Credit Union is a state-chartered credit union headquartered in Three Rivers, CA, established in 1944 (NCUA charter 64122), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,045 members and total assets of $82.2M (up 0.3% from Q2 2025), the 161st largest of 238 credit unions headquartered in California. Its net worth ratio was 6.85% at Q2 2026, in the adequately capitalized band.
Also written as Valley Oak 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
- 64122
- Headquarters
- Three Rivers, CA
- Established
- 1944
- Total assets, Q2 2026
- $82.2M
- Assets vs Q2 2025
- +0.3%
- Members, Q2 2026
- 6,045
- Net worth ratio, Q2 2026
- 6.85%
- Latest call report
- Q2 2026, NCUA 5300 · Valley Oak Credit Union call report
- Asset rank in state
- 161st of 238 in California
- Routing number
- 321178051
- Branches
- 4
It has 117 more members than on June 30, 2025 (+2.0%). Its net worth ratio was down 0.12 percentage points from 6.97% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $19.6M of $58.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.71% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 6.85% net worth ratio is below that band's 14.31% median.
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Frequently asked about Valley Oak Credit Union
How big is Valley Oak Credit Union?
At Q2 2026 it reported total assets of $82.2M and 6,045 members.
Where is Valley Oak Credit Union headquartered?
It is headquartered in Three Rivers, CA, United States.
When was Valley Oak Credit Union founded?
It was established in 1944, per NCUA records.
Is Valley Oak Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64122): 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 Oak 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 Valley Oak Credit Union well capitalized?
Its net worth ratio was 6.85% at Q2 2026, in the adequately capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Valley Oak Credit Union's delinquency ratio?
Its delinquency ratio was 0.71% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Valley Oak Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.08% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Three Rivers, CA 93271
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1944
- NCUA Charter #
- 64122
- RSSD ID
- 265993
- Members
- 6,045
- Potential members
- 625,000
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 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% | 6.85% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.26% | 0.72% | 29th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.77% | 4.74% | 43rd below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.75% | 3.93% | 43rd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 90.15% | 79.83% | 28th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.89% | 0.78% | 44th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.71% | 0.86% | 57th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.65% | 4.70% | 47th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 78.08% | 58.92% | 78th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$82.2M total assets against $81.9M; $74.6M total shares and deposits against $76.0M; $58.2M total loans against $52.0M.
$5.6M net worth against $5.6M.
6.85% net worth ratio against 6.97%.
78.08% loan-to-share ratio against 68.42%.
0.71% delinquency ratio against 0.36%.
0.26% return on assets against 0.33%; 3.77% return on equity against 4.77%.
3.75% net interest margin against 3.47%.
6,045 members against 5,928.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 6.85% | 0.26% | 0.71% | 78.08% |
| March 31, 2026 | 6.79% | -0.32% | 0.51% | 71.23% |
| December 31, 2025 | 6.96% | 0.20% | 0.63% | 67.50% |
| September 30, 2025 | 7.01% | 0.42% | 0.64% | 67.61% |
| June 30, 2025 | 6.97% | 0.33% | 0.36% | 68.42% |
| March 31, 2025 | 6.98% | -0.10% | 0.53% | 69.04% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is between 6% and 7%, adequately capitalized but below the 7% level NCUA considers well capitalized. Worth monitoring, not yet a PCA trigger. NCUA well-capitalized threshold, 12 CFR 702.102.
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.