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VALLEY OAK CREDIT UNION

Sep, 30, 2021 — VALLEY OAK CREDIT UNION is a federally insured state chartered credit union headquartered in Three Rivers, CA with 4 branch locations and about $71.69 million in total assets. Opened 77 years ago in 1944, VALLEY OAK CREDIT UNION has about 6,291 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:6,291
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$71,687,448
CEO/Manager:Alan Cortum
Chairperson:Sandra G Stryd

Call Report

  • Credit Builder
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 11,163,964
TOTAL INVESTMENTS 9,727,792
Loans Held for Sale 0
 
 Real Estate Loans 10,207,124
 Unsecured Loans 5,070,012
 Other Loans 29,919,331
 TOTAL LOANS 45,196,467
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -322,357
 Land And Building 4,376,715
 Other Fixed Assets 385,706
 NCUSIF Deposit 640,796
 All Other Assets 518,365
  TOTAL ASSETS 71,687,448
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 511,223
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 16,642,375
 Regular shares 28,070,312
 All Other Shares & Deposits 21,618,830
  TOTAL SHARES & DEPOSITS 66,331,517
  TOTAL LIABILITIES 66,842,740
 Regular Reserve 1,345,339
 Other Reserves -23,755
 Undivided Earnings 3,523,124
  TOTAL EQUITY 4,844,708
  TOTAL LIABILITIES, SHARES, & EQUITY 71,687,448
INCOME & EXPENSE  
 Loan Income 1,343,548
 Investment Income 49,430
 Other Income 219,460
 Total Employee Compensation & Benefits 916,540
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,105,987
 Non-operating Income & (Expense) 46,857
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -24,904
 Cost of Funds 43,325
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -1,536
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