Bakersfield, California · Peer group 6
Valley Strong Credit Union
Valley Strong Credit Union holds $4.07B in assets across 357,321 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1940. Charter number 68712, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.07B |
|---|---|
| Total loans | $2.85B |
| Total shares (deposits) | $3.64B |
| Net worth | $368.9M |
| Members | 357,321 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.8% | |
|---|---|---|
| Loans | 0.4% | around the 23rd percentile of its peer group |
| Deposits | 2.0% | around the 26th percentile of its peer group |
| Members | 4.1% | around the 79th 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 | 78.3% | around the 33rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.1% | around the 16th percentile of its peer group |
| Return on assets | 0.57% | around the 40th percentile of its peer group |
| Delinquency ratio | 2.09% | higher than 98% of its peer group |
| Cash / assets | 9.7% | around the 62nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Valley Strong 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.
- Credit Union of Southern Ca, a
Anaheim, CA
$3.94B · 185,895 members
- Nuvision Credit Union
HUNTINGTON BEAC, CA
$3.94B · 204,942 members
- Safe Credit Union
FOLSOM, CA
$4.45B · 246,385 members
- Provident Credit Union
REDWOOD CITY, CA
$3.63B · 135,247 members
- Technology Credit Union
SAN JOSE, CA
$4.66B · 174,822 members
- California Coast Credit Union
San Diego, CA
$3.47B · 212,497 members
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