State credit union · BAKERSFIELD, California · NCUA charter #68712
Valley Strong
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $4.01B
- Total assets
- 353,871
- Members
- 9.0%
- Net-worth ratio
Valley Strong scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.01B; members 353,871; net-worth ratio 9.05%; health rank #2,021 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,021 of 4,374 health · 2025Q4Valley Strong · health 85/100 · $4.01B · 2025Q4
- RANK 85/100
- PHOTO 9.0%
- BOOK 2.01%
- CHARTER 0.76%
- NCUSIF $4.01B
- CAMELS 353,871
- HEALTH #2,021/4,374
- NW GOLDENWEST
- DELQ 68712
Call Report peers
Valley Strong in the assets neighbourhood
Valley Strong's $4.01B assets sit next to GOLDENWEST ($3.95B) 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 Strong 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
85 Top 46% higher than 54% 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 Strong - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68712: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Valley Strong vs Over $500M peers
- Largest favorable gap: Return on Assets at 0.76% vs peer 0.51% (+0.25 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.59 pp (78.31% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Valley Strong in California
- California health ordinal: #123 of 243.
- California assets place: #19 of 243.
- Member book place in California: #8 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Valley Strong's 5300 filing moved
Valley Strong: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $4.01B (2025Q4) to $4.07B (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.23% → 9.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 12.5 pts
- Return on Assets 15.0 pts
- Member Growth 14.7 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Valley Strong
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.05% | -2.13 pp |
| Delinquency Rate | 2.01% | +1.13 pp |
| Return on Assets | 0.76% | +0.25 pp |
| Member Growth | 4.76% | - |
| Loan-to-Share Ratio | 78.31% | -5.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.07B | - |
| 2025Q4 | $4.01B | 353,871 |
| 2024Q4 | $3.92B | 337,790 |
| 2023Q4 | $4.03B | 313,735 |
Credit Union Details
- Charter Number
- 68712
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- BAKERSFIELD
- Data Quarter
- 2025Q4
Branch Locations (31)
Per its most recent NCUA branch filing, Valley Strong runs 31 offices in 13 different cities.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Bakersfield, CA |
| Mt Vernon | Bakersfield, CA |
| Ridgeview High School | Bakersfield, CA |
| Stockdale High School | Bakersfield, CA |
| Downtown Branch | Bakersfield, CA |
| Ming Ave Branch | Bakersfield, CA |
| Panama Branch | Bakersfield, CA |
| River Run Branch | Bakersfield, CA |
| Buena Vista | Bakersfield, CA |
| ROC Branch | Bakersfield, CA |
| Frontier High School | Bakersfield, CA |
| West High School | Bakersfield, CA |
| Artisan Square Branch | Bakersfield, CA |
| C-Tech Branch | Bakersfield, CA |
| Stockdale River Ranch | Bakersfield, CA |
| Delano | Delano, CA |
| Dinuba | Dinuba, CA |
| Oliver Branch | Fairfield, CA |
| Fairfield Main Branch | Fairfield, CA |
| Sierra Pacific High School | Hanford, CA |
| Hanford Branch | Hanford, CA |
| Lodi Branch | Lodi, CA |
| Manteca Branch | Manteca, CA |
| Porterville Branch | Porterville, CA |
| Airport Branch | Stockton, CA |
| Main Office - Stockton | Stockton, CA |
| Pershing Branch | Stockton, CA |
| Tehachapi Branch | Tehachapi, CA |
| Tulare | Tulare, CA |
| Vacaville Branch | Vacaville, CA |
| Central Visalia Branch | 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
Two NCUA Call Report peer sets for Valley Strong, 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 ($4.01B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Valley Strong ranks #2,021 of 4,374 nationally on financial health and #123 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NUVISION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NUVISION
- 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 Strong financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Valley Strong carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,021 of 4,374; by total assets it ranks #125 of 4,374 nationally (same basis as /rankings/largest); and #19 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.05% net worth ratio and a 2.01% delinquency rate.
How does Valley Strong compare to other credit unions?
PlainCU's health composite puts Valley Strong at 85/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Valley Strong?
Membership eligibility for Valley Strong depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Valley Strong directly for current membership requirements and application steps.
Is my money safe at Valley Strong?
Federal credit unions like Valley Strong 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 Strong's net worth ratio of 9.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley Strong offer compared to banks?
Credit unions like Valley Strong 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 Strong 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.