CU Explorer
Credit unions · California · Q2 2026

Valley Oak CU

Credit union in Three Rivers, CA · NCUA charter #64122 · State charter (federally insured)

Legal name: Valley Oak

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$82.2M
Total loans & leases$58.2M
Total shares & deposits$74.6M
Members6,045
Net worth$5.6M
Net worth / assets6.86%
Loans / assets70.84%
Return on assets (annualized)−0.03%
Loan growth (YoY)11.94%
Member growth (YoY)1.97%
Delinquency, all loans (60+ days)0.71%
CharterState charter (federally insured)
Asset band$50M–$250M
NCUA peer group$50M–$100M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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