State credit union · Three Rivers, California · NCUA charter #64122
Valley Oak
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $82.7M
- Total assets
- 5,932
- Members
- 6.8%
- Net-worth ratio
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.
Valley Oak - 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)71
- Asset quality (delinquency)95
- Earnings (ROA)17
- Member growth51
- Liquidity (loan-to-share)96
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.83% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.83% | 30% |
| Delinquency Rate | 0.63% | 25% |
| Return on Assets | -0.22% | 15% |
| Member Growth | -0.74% | 15% |
| Loan-to-Share Ratio | 67.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Valley Oak
Charter #64122, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Valley Oak, a state credit union in Three Rivers, California with 5,932 members, $82.7M in total assets, and $51.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 70/100 (Very Good), helped by a net worth ratio of 6.83% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.63% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 67.50% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.22% on net income of $-182007 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 -0.74%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
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 Oak financially healthy?
Valley Oak has a financial health score of 70/100 (Very Good) 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 6.83% 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 70/100 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 6.83% 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.
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.