State credit union · FRESNO, California · NCUA charter #64660
Greater Valley
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $33.6M
- Total assets
- 2,099
- Members
- 14.7%
- Net-worth ratio
Greater Valley scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.6M; members 2,099; net-worth ratio 14.68%; health rank #1,420 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,420 of 4,374 health · 2025Q4Greater Valley · health 88/100 · $33.6M · 2025Q4
- RANK 88/100
- PHOTO 14.7%
- BOOK 0.27%
- CHARTER 0.29%
- NCUSIF $33.6M
- CAMELS 2,099
- HEALTH #1,420/4,374
- NW SEI
- DELQ 64660
Call Report peers
Greater Valley in the assets neighbourhood
Greater Valley's $33.6M assets sit next to SEI ($33.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Greater Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Greater Valley - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64660: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Greater Valley vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.27% vs peer 1.15% (-0.88 pp).
- Loan-to-Share Ratio trails the peer set - 42.48% here, 59.80% peer average (-17.32 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greater Valley in California
- In California, health place is #86 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #202 of 243 inside California ($33.6M reported).
- Membership ranks #199 of 243 among California CUs with a reported count (2,099 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Greater Valley Call Report trajectory
Greater Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $33.6M (2025Q4) to $33.4M (2026Q1).
- Net-worth ratio shifted +0.25 pp (14.43% → 14.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for Greater Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.68% | -0.18 pp |
| Delinquency Rate | 0.27% | -0.88 pp |
| Return on Assets | 0.29% | -0.41 pp |
| Member Growth | 1.79% | - |
| Loan-to-Share Ratio | 42.48% | -17.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Greater Valley
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.4M | - |
| 2025Q4 | $33.6M | 2,099 |
| 2024Q4 | $32.4M | 2,062 |
| 2023Q4 | $33.7M | 2,070 |
Credit Union Details
- Charter Number
- 64660
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- FRESNO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Greater Valley.
| Office | City |
|---|---|
| Main (Main Office) | Fresno, CA |
| vital records | Fresno, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Greater Valley, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Greater Valley ranks #1,420 of 4,374 nationally on financial health and #86 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAPSTONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAPSTONE
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Greater Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Greater Valley carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,420 of 4,374; by total assets it ranks #2,757 of 4,374 nationally (same basis as /rankings/largest); and #202 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.68% net worth ratio and a 0.27% delinquency rate.
How does Greater Valley compare to other credit unions?
Greater Valley scores 88/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Greater Valley?
Membership eligibility for Greater Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greater Valley directly for current membership requirements and application steps.
Is my money safe at Greater Valley?
Federal credit unions like Greater Valley are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Greater Valley's net worth ratio of 14.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Valley offer compared to banks?
Credit unions like Greater Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Greater Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.