Sep, 30, 2025 — VALLEY AGRICULTURAL FEDERAL CREDIT UNION is a federal credit union headquartered in SANTA PAULA, CA with 2 branch locations and about $4.87 million in total assets. Opened 60 years ago in 1966, VALLEY AGRICULTURAL FEDERAL CREDIT UNION has about 569 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VALLEY AGRICULTURAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1141 CUMMINGS RD SANTA PAULA, CA 93060 |
| Phone: | (805) 525-9989 |
| Fax: | (805) 525-8373 |
| Website: | https://www.valleyagfcu.org |
| Branches: | 2 branch locations |
| Members: | 569 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 17841 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1966 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $4,873,162 |
| CEO/Manager: | Cynthia Garcia |
| Chairperson: | Stewart Lockwood |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 210,330 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 344,797 |
| Other Loans | 1,985,033 |
| TOTAL LOANS | 2,329,830 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -9,717 |
| Land And Building | 0 |
| Other Fixed Assets | 46,012 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 44,124 |
| All Other Assets | 0 |
| TOTAL ASSETS | 4,873,162 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,467 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 2,558,066 |
| All Other Shares & Deposits | 1,787,834 |
| TOTAL SHARES & DEPOSITS | 4,345,900 |
| TOTAL LIABILITIES | 4,349,367 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 523,795 |
| TOTAL EQUITY | 523,795 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,873,162 |
| INCOME & EXPENSE | |
| Loan Income | 124,748 |
| Investment Income | 70,493 |
| Other Income | 16,767 |
| Total Employee Compensation & Benefits | 74,746 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 88,768 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 10,700 |
| Cost of Funds | 23,190 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 14,604 |
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