Credit union · NCUA insured
Valley Oak Credit Union
Top CarrotA $82.3M credit union headquartered in Three Rivers, CA, with 5,977 members and 3 branches in California. Best rates: CDs 3.35% and savings 0.25% APY.
Valley Oak Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#2 of 12 in Visalia, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley Oak Credit Union
- Headquarters
- 40870 Sierra Dr, Three Rivers, CA 93271-9696
- NCUA charter
- 64122
Branches
3 branches in California
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California
3 branches
- Three Rivers40870 Sierra Dr, Three Rivers, CA 93271Directions
- Tulare1321 N Mooney Blvd, Tulare, CA 93274Directions
- Visalia600 W Main St, Visalia, CA 93291Directions
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
Adequately capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 6.85% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.71% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $78 | $59 | — |
- CapitalNet worth ratio6.85%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.71%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$78Peers’ 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 Valley Oak Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.