Sep, 30, 2025 — VALLEY OAK CREDIT UNION is a federally insured state chartered credit union headquartered in THREE RIVERS, CA with 4 branch locations and about $81.76 million in total assets. Opened 82 years ago in 1944, VALLEY OAK CREDIT UNION has about 5,930 members and employs 20 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 OAK CREDIT UNION |
|---|---|
| Address: (Main Office) | 40870 Sierra Dr THREE RIVERS, CA 93271-9696 |
| Phone: | (559) 561-1420 |
| Fax: | (559) 561-3170 |
| Website: | https://www.valleyoak.org |
| Branches: | 4 branch locations |
| Members: | 5,930 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64122 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1944 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $81,758,149 |
| CEO/Manager: | Alan Cortum |
| Chairperson: | Sandra G Stryd |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,447,647 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 18,386,631 |
| Unsecured Loans | 9,226,120 |
| Other Loans | 23,627,515 |
| TOTAL LOANS | 51,240,266 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -333,346 |
| Land And Building | 10,403,361 |
| Other Fixed Assets | 210,996 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 743,776 |
| All Other Assets | 21,510 |
| TOTAL ASSETS | 81,758,149 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 523,235 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 16,679,719 |
| Regular shares | 30,833,672 |
| All Other Shares & Deposits | 28,273,301 |
| TOTAL SHARES & DEPOSITS | 75,786,692 |
| TOTAL LIABILITIES | 76,309,927 |
| Regular Reserve | 0 |
| Other Reserves | -159,131 |
| Undivided Earnings | 5,607,353 |
| TOTAL EQUITY | 5,448,222 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 81,758,149 |
| INCOME & EXPENSE | |
| Loan Income | 2,381,299 |
| Investment Income | 308,132 |
| Other Income | 269,114 |
| Total Employee Compensation & Benefits | 1,035,999 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,462,707 |
| Non-operating Income & (Expense) | 25,279 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 166,301 |
| Cost of Funds | 583,942 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 132,133 |
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