VALLEY OAK Credit Union Profile

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VALLEY OAK

Charter #64122 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (559) 561-1420

Fax: (559) 561-3170

Founding Date: N/A

Website: http://www.valleyoak.org

Personnel & Operations

President: Stryd, Sandra

Manager: Cortum, Alan

FT Employees: 20

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: 9:00am-5:00pm PST

Credit Union Profile Summary

VALLEY OAK is a FISCU Credit Union. With a total of 5,928 members [1], this institution manages approximately $81,944,030 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 6.97% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.12% [1].

Financial Snapshot

Total Assets [1]
$81,944,030

Total economic resources.

Total Loans [1]
$52,035,034

Total value of outstanding loans.

Total Deposits [1]
$76,049,798

Total funds deposited by members.

Members [1]
5,928

Number of active members.

Performance Ratios

Net Worth Ratio [1]
6.97%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.12%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
68.42%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.25%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -6.12%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.76%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

40870 Sierra Dr

Three Rivers, CA, 93271-9696
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by VALLEY OAK (Charter #64122).

Main Office

Three Rivers Corporate Main Office

Type: Corporate Office

40870 Sierra Dr

Three Rivers, CA 93271-9696

Phone: (559) 561-1420

Services: None specified

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Additional Branches

Three Rivers

Three Rivers

Type: Branch Office

40870 Sierra Dr

Three Rivers, CA 93271-9696

Phone: (559) 561-4471

Services: Member Services, ATM

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Tulare

Tulare

Type: Branch Office

255 E King Ave

Tulare, CA 93274

Phone: (559) 688-5996

Services: Member Services, ATM

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Visalia

Visalia

Type: Branch Office

600 W Main St

Visalia, CA 93291-6148

Phone: (559) 636-3084

Services: Member Services, ATM

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