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
Call Report peers
Valley Oak in the assets neighbourhood
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Valley Oak vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Valley Oak sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in California, OCEANAIR (#212) ties at 69/100; one place down, SLO (#214) scores 68/100, 1 point lower.
Valley Oak: 2025Q4 → 2026Q1
Valley Oak: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $82.7M (2025Q4) to $82.3M (2026Q1).
- Net-worth ratio shifted -0.17 pp (6.96% → 6.79%).
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
Valley Oak gives up 31 points in total. Return on Assets costs the most, 12.5 of its 15; Loan-to-Share Ratio loses the least, 0.6.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Valley Oak financially healthy?
Valley Oak has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,682 of 4,374 nationally on health and #213 of 243 in California. Its net worth ratio is 6.79% and its delinquency rate 0.63%.
How does Valley Oak compare to other credit unions?
Valley Oak scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (67.50% vs 62.60%). Its widest shortfall is net worth ratio (6.79% vs 13.62%).
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?
Valley Oak is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.