VALLEY OAK
Three Rivers, CA · State Credit Union · Chartered in CA
Who can join
State government employees (special charter)
Members
5,977
Net Worth Ratio
6.79%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$82.3M
Peer Group 4
Members
5,977
as of latest quarter
Net Worth Ratio
6.79%
Adequately Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$82.3M
Total Shares
$76.3M
Total Loans
$54.4M
Net Income
$-65,534
Net Worth Ratio
6.79%
≥7% = Well Capitalized
Members
5,977
Return on Assets
-0.08%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.13%
$68K
Loan-to-share ratio: 71.2%· healthy range 60–80%
Branch Locations
NCUAThree Rivers Corporate
40870 Sierra Dr, Three Rivers, CA, 93271-9696
9:00am-5:00pm PST
Visalia
600 W Main St, Visalia, CA, 93291-6148
9:00am-5:00pm PST
Tulare
1321 N Mooney Blvd, Tulare, CA, 93274
9:00am-5:00pm PST
Three Rivers
40870 Sierra Dr, Three Rivers, CA, 93271-9696
9:00-5:00pm PST
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/valley-oak" target="_blank" rel="noopener">View VALLEY OAK on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.