Federal credit union · SANTA PAULA, California · NCUA charter #17841
Valley Agricultural
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $4.8M
- Total assets
- 556
- Members
- 11.0%
- Net-worth ratio
Valley Agricultural - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #17841 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Valley Agricultural - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)72
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.01% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.54% | 15% |
| Member Growth | -6.40% | 15% |
| Loan-to-Share Ratio | 51.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.8M | 556 |
| 2024Q4 | $4.9M | 594 |
| 2023Q4 | $5.1M | 628 |
Credit Union Details
- Charter Number
- 17841
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- California
- City
- SANTA PAULA
- Data Quarter
- 2025Q4
What This Data Says About Valley Agricultural
556 members and $4.8M in total assets sit behind Valley Agricultural, a federal credit union in SANTA PAULA, California, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $2.2M in outstanding loans as of Q4 2025 and a net worth ratio of 11.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #17841 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 0.10% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 51.02% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.54% on net income of $26K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.40%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other/Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
- SANTA MARIA ASSOCIATED EMPLOYEESSanta Maria, CA · $2M–$10M94Health
- SUNKIST EMPLOYEESValencia, CA · $2M–$10M84Health
- CHULA VISTA CITY EMPLOYEESChula Vista, CA · $2M–$10M74Health
- DENOCOSCRESCENT CITY, CA · $2M–$10M82Health
- U.S.B. EMPLOYEESWilmington, CA · $2M–$10M76Health
Compare Valley Agricultural vs SANTA MARIA ASSOCIATED EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Valley Agricultural financially healthy?
Valley Agricultural has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.01% and delinquency rate of 0.10%.
How does Valley Agricultural compare to other credit unions?
Five weighted metrics from NCUA filings produce Valley Agricultural's 81/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Valley Agricultural?
Valley Agricultural operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Valley Agricultural directly for the exact boundaries and application steps.
Is my money safe at Valley Agricultural?
Federal credit unions like Valley Agricultural 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. Valley Agricultural's net worth ratio of 11.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley Agricultural offer compared to banks?
Credit unions like Valley Agricultural 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 Valley Agricultural directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.