Valley Oak

Three Rivers, CA · 2 · Charter #64122 · www.valleyoak.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$82.7M
33th percentile
Members
5,932
34th percentile
Total loans
$51.9M
42th percentile
Total shares
$76.9M
39th percentile

Profitability

Return on assets
0.51%
17th percentile
Net interest margin
3.47%
39th percentile
Efficiency ratio
73.77%
17th percentile
Non-interest income ratio
19.81%
63th percentile

Capital & Risk

Net worth ratio
6.93%
1th percentile
Delinquency rate
0.63%
55th percentile
Net charge-off rate
0.47%
36th percentile
Loan-to-share
67.50%
49th percentile

Growth

Member growth YoY
-0.74%
48th percentile
Asset growth YoY
5.81%
66th percentile
Loan growth YoY
-2.49%
29th percentile
Share growth YoY
6.01%
72th percentile

Operations

Members / branch
1,483
8th percentile
Assets / member
$13,942
46th percentile
Field of membership penetration
0.95%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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