VALLEY OAK
State-Chartered • Three Rivers, California • Est. 1944
Quick Facts
- Charter Number
- #64122
- Type
- State-Chartered
- Established
- 1944
- Headquarters
- Three Rivers, California 93271
- Address
- PO Box 279
- Branches
- 4
- ATMs
- 3
- Members
- 5,932
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
5,932 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY OAK |
|---|---|
| Total Assets | $82.7M |
| Members | 5,932 |
| Loans Outstanding | $51.9M |
| Shares & Deposits | $76.9M |
| Net Worth | $5.7M |
| Net Worth Ratio | 6.96% |
| Loan-to-Share Ratio | 67.5% |
| Delinquency Rate | 0.63% |
| Net Income | +$421,491 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. VALLEY OAK is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, VALLEY OAK has 5,932 members and a potential membership field of 625,000 people.
VALLEY OAK's net worth ratio is 6.96% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. This is below the 7% well-capitalized threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or VALLEY OAK. All financial data is for informational purposes only.