VALLEY OAK
State-Chartered • Three Rivers, California • Est. 1944
Quick Facts
- Charter Number
- #64122
- Type
- State-Chartered
- Established
- 1944
- Headquarters
- Three Rivers, California 93271-9696
- Address
- 40870 Sierra Dr
- Branches
- 4
- ATMs
- 3
- Members
- 5,977
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 6% and a delinquency rate below 3%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
5,977 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY OAK |
|---|---|
| Total Assets | $82.3M |
| Members | 5,977 |
| Loans Outstanding | $54.4M |
| Shares & Deposits | $76.3M |
| Net Worth | $5.6M |
| Net Worth Ratio | 6.79% |
| Loan-to-Share Ratio | 71.2% |
| Delinquency Rate | 0.51% |
| Net Income | $-65,534 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 3 ATMs
Three Rivers Corporate
Main Office40870 Sierra Dr
Three Rivers, CA 93271-9696
Visalia
600 W Main St
Visalia, CA 93291-6148
Tulare
1321 N Mooney Blvd
Tulare, CA 93274
Three Rivers
40870 Sierra Dr
Three Rivers, CA 93271-9696
Who Can Join VALLEY OAK?
Membership Type: Community
Membership eligibility for VALLEY OAK may vary. Contact the credit union directly to confirm qualification requirements.
Contact VALLEY OAK directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
VALLEY OAK is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, VALLEY OAK has 5,977 members and a potential membership field of 625,000 people.
VALLEY OAK's reported net worth ratio is 6.79% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
VALLEY OAK operates 4 branch locations and has access to 3 ATMs. The main office is located at 40870 Sierra Dr, Three Rivers, CA 93271-9696.
VALLEY OAK was established in 1944. It is a state-chartered credit union chartered under charter number 64122. The institution has been serving members for 82 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or VALLEY OAK. All financial data is for informational purposes only.