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VALLEY OAK CREDIT UNION

Dec, 31, 2020 — VALLEY OAK CREDIT UNION is a federally insured state chartered credit union headquartered in Three Rivers, CA with 4 branch locations and about $63.20 million in total assets. Opened 77 years ago in 1944, VALLEY OAK CREDIT UNION has about 6,285 members and employs 21 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 321178051
Name:VALLEY OAK CREDIT UNION
Address:
(Main Office)
PO Box 279
Three Rivers, CA 93271
Phone:(559) 561-1420
Fax:(559) 561-3170
Website:http://www.valleyoak.org
Branches:4 branch locations
Members:6,285
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$63,196,053
CEO/Manager:Alan Cortum
Chairperson:Phillip Deal

Call Report

  • Credit Builder
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Check Cashing
  • Insurance/Investment Sales
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 15,095,968
TOTAL INVESTMENTS 5,065,620
Loans Held for Sale 159,000
 
 Real Estate Loans 4,513,385
 Unsecured Loans 5,800,075
 Other Loans 28,171,827
 TOTAL LOANS 38,485,287
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -350,390
 Land And Building 3,416,740
 Other Fixed Assets 303,788
 NCUSIF Deposit 526,921
 All Other Assets 493,119
  TOTAL ASSETS 63,196,053
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 375,851
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 14,822,307
 Regular shares 23,670,244
 All Other Shares & Deposits 19,457,588
  TOTAL SHARES & DEPOSITS 57,950,139
  TOTAL LIABILITIES 58,325,990
 Regular Reserve 1,345,339
 Other Reserves 65
 Undivided Earnings 3,524,659
  TOTAL EQUITY 4,870,063
  TOTAL LIABILITIES, SHARES, & EQUITY 63,196,053
INCOME & EXPENSE  
 Loan Income 1,803,908
 Investment Income 120,144
 Other Income 724,399
 Total Employee Compensation & Benefits 1,255,658
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,389,337
 Non-operating Income & (Expense) 82,235
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 45,980
 Cost of Funds 85,852
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -46,141
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