Valley Oak
Three Rivers, CA · Charter 64122 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
$82.2MAssets
$58.2MLoans
$74.6MShares
$5.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 59% of credit unions under $1B in assets in CA (rank 26 of 63).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets in CA (rank 62 of 63).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.03%
Rank 55 of 63
Net Interest Margin
3.73%
Rank 26 of 63
Efficiency Ratio
94.89%
Rank 60 of 63
Equity / Assets
6.85%
Rank 62 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.03% | 0.17% | 0.56% | 1.17% | Beats 13% | 55 / 63 | |
| Return on Equity | -0.43% | 1.81% | 4.79% | 8.64% | Beats 11% | 56 / 63 | |
| Net Interest Margin | 3.73% | 3.18% | 3.49% | 3.98% | Beats 59% | 26 / 63 | |
| Efficiency Ratio | 94.89% | 70.58% | 81.25% | 89.21% | Beats 6% | 60 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.17% | 0.42% | 0.85% | Beats 35% | 41 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.85% | 8.61% | 10.56% | 14.01% | Beats 2% | 62 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.85% | 8.61% | 10.56% | 14.01% | Beats 2% | 62 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 78.08% | 53.46% | 72.75% | 85.33% | 63rd pctl | 23 / 62 | |
| Loans / Assets | 70.84% | 46.35% | 58.08% | 72.17% | 67th pctl | 21 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |