Credit union · NCUA insured
Golden Valley Federal Credit Union
A $39.4M credit union headquartered in Manteca, CA, with 3,304 members and 1 branch in California. Best rates: savings 0.02% APY.
Golden Valley Federal Credit Union Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#8 of 18 in Stockton, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Golden Valley Federal Credit Union
Golden Valley Federal Credit Union is a member-owned institution based in Manteca, California, that began serving employees of the Sharpe Army Depot in 1957.
After expanding to Manteca and Ripon school districts, the credit union received NCUA approval in 2022 to serve all residents of San Joaquin County.
Holding a Low-Income Designation, it specializes in assisting community members whose needs are not met by traditional for-profit financial institutions.
- Headquarters
- 409 W Center St, Manteca, CA 95336
- NCUA charter
- 11652
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in San Joaquin County are eligible for membership.
Family and household
- Immediate family members of a current Golden Valley Federal Credit Union member are eligible to join regardless of where they live.
Branches
1 branch in California
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California
1 branch
- Golden Valley Federal Credit UnionMain office409 W Center St, Manteca, CA 95336Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.77% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio11.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.77%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Golden Valley Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.