2024 Overview
General Credit Union Information
Valley Oak is an NCUA insured institution located in Three Rivers, CA. It was founded in 1944 and has approximately $78.28 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64122 |
| Date Established | 1944 |
| Assets | $78.28 million |
| Loans | $57.71 million |
| Deposits | $66.93 million |
| Capital | $5.91 million |
Field of Membership Restrictions
Membership is open to those who live, work, attend school or worship in Tulare or Madera Counties. Membership is also open to federal, USPS employees or military personnel in Tulare, Fresno, Kings and Madera Counties and other select employee groups.
Deposit Rates - April 28, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Valley Oak
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Loan Rates - April 28, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Valley Oak
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 1907 |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Valley Oak
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Branches
Below are Valley Oak branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
VALLEY OAK is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Valley Oak Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Valley Oak. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Valley Oak | U.S. Average |
|---|---|
| 7.53% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Valley Oak had $404,102 in non-current loans and $59,540 in owned assets. To cover these potential losses it had $5,906,064 in net worth and $252,402 in loans loss reserves. That gives it a Texas Ratio of 7.53%.
Net Worth
| Valley Oak | U.S. Average |
|---|---|
| 7.61% | 13.62% |
Valley Oak FCU has a net worth of 7.61% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Valley Oak
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