Santa Paula, California · Peer group 2
Valley Agricultural Credit Union
Valley Agricultural Credit Union holds $4.8M in assets across 557 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1966. Charter number 17841, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.8M |
|---|---|
| Total loans | $2.1M |
| Total shares (deposits) | $4.2M |
| Net worth | $532K |
| Members | 557 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.0% | |
|---|---|---|
| Loans | -13.9% | around the 23rd percentile of its peer group |
| Deposits | -3.8% | around the 38th percentile of its peer group |
| Members | -3.8% | around the 28th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 49.3% | around the 35th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.2% | around the 18th percentile of its peer group |
| Return on assets | 0.10% | around the 35th percentile of its peer group |
| Delinquency ratio | 2.62% | around the 79th percentile of its peer group |
| Cash / assets | 5.0% | lower than 92% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Valley Agricultural Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Santa Maria Associated Employees Credit Union
Santa Maria, CA
$4.9M · 1,034 members
- Sunkist Employees Credit Union
Valencia, CA
$4.0M · 506 members
- Denocos Credit Union
CRESCENT CITY, CA
$6.3M · 758 members
- U.S.B. Employees Credit Union
Wilmington, CA
$3.2M · 303 members
- Chula Vista City Employees Credit Union
Chula Vista, CA
$3.2M · 498 members
- Columbus Club Credit Union
San Fernando, CA
$3.0M · 196 members
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