Valley Oak
Valley Oak is a credit union based in Three Rivers, California, established in 1944, with $82 million in total assets serving 5,977 members. By Trust Grade it ranks 238th of 241 credit unions we track in California. Its net worth ratio of 6.8% trails most similarly sized credit unions (2th percentile), versus a California median of 11.1%. It posted a loss over the most recent period (-0.32% return on assets), a point to watch. No consumer complaints against Valley Oak appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Valley Oak compares to California peers
How we graded Valley Oak
The Trust Grade blends financial strength with complaint history. Full methodology →
- Below the well-capitalized threshold (6.8%)
- Unprofitable over the period (ROA -0.32%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Valley Oak over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Valley Oak insured?
Yes. Valley Oak is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Valley Oak: frequently asked questions
Is Valley Oak a good credit union?
Valley Oak earns a Bankzia Trust Grade of D (67/100, "Fair"), based on a financial-strength score of 67/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (6.8%); Unprofitable over the period (ROA -0.32%).
Is Valley Oak NCUA-insured?
Yes. Valley Oak is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Valley Oak?
Valley Oak holds $82 million in total assets, ranking 238th of 241 credit unions we track in California. It serves 5,977 members.
Does Valley Oak have CFPB complaints?
No CFPB complaints against Valley Oak appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
