credit union · NCUA 64122 · CA
How big is VALLEY OAK?
VALLEY OAK (CA, NCUA charter 64122) reported total assets of $82.2M, 6,045 members and a net worth ratio of 6.85% in its Call Report for 2026Q2. That ranks 1989 of 4,299 federally insured credit unions by assets, 169 of 573 among credit unions with $50m-$100m in assets, 161 of 239 credit unions in california.
What stands out
VALLEY OAK (CA, NCUA charter 64122) reported total assets of $82.2M, 6,045 members and a net worth ratio of 6.85% in its Call Report for 2026Q2. That ranks 1989 of 4,299 federally insured credit unions by assets, 169 of 573 among credit unions with $50m-$100m in assets, 161 of 239 credit unions in california. Against its size class: net worth ratio 6.85%, below the peer median of 12.95%; loan-to-share ratio 78.08%, above the peer median of 60.93%; return on assets -0.03%, below the peer median of 0.73%. At 6.85% its net worth ratio is below the 7% NCUA threshold, which puts it in the "adequately capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $82.2M | $72.1M | $205.9M | $68.3M | record → |
| Shares and deposits | $74.6M | $61.4M | $179.4M | $58.3M | record → |
| Loans outstanding | $58.2M | $37.6M | $125.6M | $34.4M | record → |
| Net income (year to date) | $-12.4k | $269.0k | $432.9k | $222.2k | record → |
| Net worth | $5.6M | $9.2M | $25.9M | $9.0M | record → |
| Net worth ratio | 6.85% | 12.95% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 78.08% | 60.93% | 72.15% | 68.70% | computed |
| Return on assets | -0.03% | 0.73% | 0.56% | 0.71% | computed |
| Members | 6,045 | 5,030 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $82.2M | $74.6M | $58.2M | $-12.4k | 6.85% | 6,045 | 1989 |
| 2026Q1 | $82.3M | $76.3M | $54.4M | $-65.5k | 6.79% | 5,977 | 1991 |
| 2025Q4 | $82.7M | $76.9M | $51.9M | $173.3k | 6.96% | 5,932 | 1989 |
| 2025Q3 | $81.8M | $75.8M | $51.2M | $132.1k | 7.01% | 5,930 | 2003 |
| 2025Q2 | $81.9M | $76.0M | $52.0M | $46.1k | 6.97% | 5,928 | 2004 |
| 2025Q1 | $82.5M | $76.8M | $53.0M | $-20.7k | 6.98% | 5,946 | 2009 |
| 2024Q4 | $78.2M | $72.5M | $53.2M | $-182.0k | 7.20% | 5,976 | 2042 |
| 2024Q3 | $78.4M | $72.6M | $54.4M | $-116.0k | 7.29% | 5,932 | 2038 |
| 2024Q2 | $77.9M | $71.8M | $55.4M | $-89.0k | 7.35% | 6,034 | 2054 |
| 2024Q1 | $80.0M | $70.8M | $56.6M | $-154.4k | 7.25% | 6,016 | 2042 |
| 2023Q4 | $78.3M | $66.9M | $57.7M | $170.1k | 7.61% | 6,021 | 2061 |
| 2023Q3 | $77.4M | $67.7M | $58.1M | $166.9k | 7.65% | 6,039 | 2069 |
| 2023Q2 | $76.4M | $70.3M | $56.5M | $147.5k | 7.68% | 6,095 | 2089 |
| 2023Q1 | $77.4M | $71.6M | $54.0M | $75.7k | 7.61% | 6,065 | 2088 |
| 2022Q4 | $76.3M | $70.2M | $53.8M | $808.8k | 7.53% | 6,097 | 2103 |
| 2022Q3 | $76.8M | $71.1M | $53.2M | $743.3k | 7.48% | 6,177 | 2116 |
| 2022Q2 | $75.9M | $70.7M | $51.2M | $167.9k | 6.82% | 6,151 | 2128 |
| 2022Q1 | $76.5M | $71.4M | $50.3M | $13.6k | 6.73% | 6,187 | 2123 |
| 2021Q4 | $74.8M | $69.5M | $45.8M | $57.1k | 6.93% | 6,267 | 2128 |
| 2021Q3 | $71.7M | $66.3M | $45.2M | $-1.5k | 7.14% | 6,291 | 2160 |
| 2021Q2 | $70.9M | $65.6M | $42.0M | $-18.6k | 7.41% | 6,297 | 2161 |
| 2021Q1 | $66.9M | $61.7M | $39.4M | $-3.6k | 7.80% | 6,306 | 2223 |
| 2020Q4 | $63.2M | $58.0M | $38.5M | $-46.1k | 8.24% | 6,285 | 2222 |
| 2020Q3 | $60.7M | $55.4M | $37.1M | $-48.6k | 8.65% | 6,299 | 2244 |
| 2020Q2 | $58.4M | $53.2M | $35.6M | $-67.8k | 8.94% | 6,338 | 2276 |
| 2020Q1 | $54.0M | $48.9M | $37.7M | $-38.4k | 9.02% | 6,437 | 2289 |
| 2019Q4 | $51.8M | $46.6M | $38.4M | $117.1k | 9.49% | 6,656 | 2299 |
| 2019Q3 | $52.5M | $47.3M | $38.9M | $62.6k | 9.25% | 6,692 | 2285 |
| 2019Q2 | $52.5M | $47.8M | $39.7M | $15.2k | 9.16% | 7,108 | 2291 |
| 2019Q1 | $53.3M | $48.2M | $40.5M | $38.7k | 9.08% | 6,738 | 2278 |
| 2018Q4 | $51.2M | $46.7M | $41.8M | $96.0k | 9.36% | 6,741 | 2297 |
| 2018Q3 | $52.3M | $47.8M | $42.1M | $-30.2k | 8.93% | 6,763 | 2283 |
| 2018Q2 | $53.9M | $49.3M | $42.7M | $-70.0k | 8.59% | 7,351 | 2266 |
| 2018Q1 | $55.2M | $50.2M | $41.3M | $-89.0k | 8.35% | 7,285 | 2246 |
| 2017Q4 | $52.4M | $47.1M | $41.3M | $-291.7k | 8.96% | 7,071 | 2270 |
| 2017Q3 | $53.7M | $48.1M | $40.1M | $-119.5k | 9.07% | 7,062 | 2261 |
| 2017Q2 | $53.0M | $47.5M | $39.7M | $-135.5k | 9.16% | 7,081 | 2289 |
| 2017Q1 | $52.4M | $47.3M | $39.6M | $-88.8k | 9.35% | 7,104 | 2306 |
| 2016Q4 | $50.8M | $45.6M | $39.7M | $-34.1k | 9.83% | 7,063 | 2313 |
| 2016Q3 | $51.5M | $46.2M | $40.7M | $49.9k | 9.85% | 7,085 | 2283 |
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