State credit union · Three Rivers, California · NCUA charter #64122
Valley Oak
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $82.7M
- Total assets
- 5,932
- Members
- 6.8%
- Net-worth ratio
Valley Oak scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $82.7M; members 5,932; net-worth ratio 6.79%; health rank #3,682 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,682 of 4,374 health · 2025Q4Valley Oak · health 69/100 · $82.7M · 2025Q4
- MEM 69/100
- RANK 6.8%
- PHOTO 0.63%
- BOOK -0.22%
- CHARTER $82.7M
- NCUSIF 5,932
- CAMELS #3,682/4,374
- HEALTH DOMINO
- NW 64122
Call Report peers
Valley Oak in the assets neighbourhood
Valley Oak's $82.7M assets sit next to DOMINO ($82.8M) 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.
Valley Oak 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
69 16th percentile higher than 16% 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
Valley Oak - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64122, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Valley Oak diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +4.90 pp (67.50% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -6.83 pp (6.79% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Valley Oak: in-state Call Report ranks
- In California, health place is #213 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #160 of 243.
- Membership ranks #150 of 243 among California CUs with a reported count (5,932 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.
Valley Oak: 2025Q4 → 2026Q1
Valley Oak: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $82.7M (2025Q4) to $82.3M (2026Q1).
- Net-worth ratio shifted -0.17 pp (6.96% → 6.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 6.79% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 20.9 pts
- Delinquency Rate 23.7 pts
- Return on Assets 2.5 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 14.2 pts
Valley Oak vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.79% | -6.83 pp |
| Delinquency Rate | 0.63% | -0.34 pp |
| Return on Assets | -0.22% | -0.88 pp |
| Member Growth | -0.74% | - |
| Loan-to-Share Ratio | 67.50% | +4.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Valley Oak
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $82.3M | - |
| 2025Q4 | $82.7M | 5,932 |
| 2024Q4 | $78.2M | 5,976 |
| 2023Q4 | $78.3M | 6,021 |
Credit Union Details
- Charter Number
- 64122
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- Three Rivers
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Valley Oak, spread across 3 cities.
| Office | City |
|---|---|
| Three Rivers Corporate (Main Office) | Three Rivers, CA |
| Three Rivers | Three Rivers, CA |
| Tulare | Tulare, CA |
| Visalia | Visalia, 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
Cross-state asset and health neighbours for Valley Oak - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($82.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Valley Oak ranks #3,682 of 4,374 nationally on financial health and #213 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CALCOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CALCOM
- 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 Valley Oak financially healthy?
Valley Oak has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,682 of 4,374; by total assets it ranks #1,989 of 4,374 nationally (same basis as /rankings/largest); and #160 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.79% and delinquency rate of 0.63%.
How does Valley Oak compare to other credit unions?
Five weighted metrics from NCUA filings produce Valley Oak's 69/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Oak?
Membership eligibility for Valley Oak depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Valley Oak directly for current membership requirements and application steps.
Is my money safe at Valley Oak?
Federal credit unions like Valley Oak 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 Oak's net worth ratio of 6.79% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Valley Oak offer compared to banks?
Credit unions like Valley Oak 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 Oak 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.