Three Rivers, California · Peer group 4
Valley Oak Credit Union
Valley Oak Credit Union holds $82.3M in assets across 5,977 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1944. Charter number 64122, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $82.3M |
|---|---|
| Total loans | $54.4M |
| Total shares (deposits) | $76.3M |
| Net worth | $5.6M |
| Members | 5,977 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.3% | |
|---|---|---|
| Loans | 2.6% | around the 66th percentile of its peer group |
| Deposits | -0.6% | around the 30th percentile of its peer group |
| Members | 0.5% | around the 73rd 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 | 71.2% | around the 70th percentile of its peer group |
|---|---|---|
| Net worth ratio | 6.8% | lower than 99% of its peer group |
| Return on assets | -0.32% | lower than 92% of its peer group |
| Delinquency ratio | 0.51% | around the 43rd percentile of its peer group |
| Cash / assets | 9.2% | around the 41st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Valley Oak 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.
- Calcom Credit Union
LONG BEACH, CA
$82.6M · 6,868 members
- Nikkei Credit Union
Gardena, CA
$80.6M · 3,779 members
- Sonoma Credit Union
Santa Rosa, CA
$80.1M · 1,791 members
- California Community Credit Union
Sacramento, CA
$79.9M · 4,112 members
- Cal State L.A. Credit Union
LOS ANGELES, CA
$79.9M · 4,870 members
- Technicolor Credit Union
Burbank, CA
$84.9M · 4,035 members
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