Charter 64122 · Three Rivers, CA
Valley Oak Credit Union
Valley Oak Credit Union is a state-chartered credit union in Three Rivers, California, with $82.2 million in assets and 6,045 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 6.85%, below the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $82.2 million
- +0.3% in a year
- Members
- 6,045
- +2.0% in a year
- Net worth ratio
- 6.85%
- Peer median 12.95%
- Loans 60+ days late
- 0.71%
- Peer median 0.67%
- Loans outstanding
- $58.2 million
- +11.9% in a year
- Shares and deposits
- $74.6 million
- -1.9% in a year
- Branches
- 4
- 21 employees
- Opened
- 1944
- California charter
How Valley Oak Credit Union compares
NCUA groups credit unions by size; Valley Oak Credit Union is in the group with $50 million to $100 million (573 credit unions). Its net worth ratio of 6.85% is lower than that group's median of 12.95%, and its share of loans 60 or more days past due, 0.71%, is about the same as the group median of 0.67%. Loans grew 11.9% over the year to Q2 2026, against a group median of a 0.2% fall.
By assets it ranks 161 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $82.2 million | 6,045 | $58.2 million | 6.85% | 0.71% |
| Q1 2026 | $82.3 million | 5,977 | $54.4 million | 6.79% | 0.51% |
| Q4 2025 | $82.7 million | 5,932 | $51.9 million | 6.96% | 0.63% |
| Q3 2025 | $81.8 million | 5,930 | $51.2 million | 7.01% | 0.64% |
| Q2 2025 | $81.9 million | 5,928 | $52.0 million | 6.97% | 0.36% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 625,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Valley Oak Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Three Rivers Corporate (main office)
40870 Sierra Dr, Three Rivers, CA 93271 - Visalia
600 W Main St, Visalia, CA 93291 - Tulare
1321 N Mooney Blvd, Tulare, CA 93274 - Three Rivers
40870 Sierra Dr, Three Rivers, CA 93271
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology