VALLEY OAK
Charter #64122 · Three Rivers, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.79% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of -0.32% sits at the 15th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.95% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 39th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VALLEY OAK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $82.30M | 72th pct | 48th pct |
| Members | 5,977 | 65th pct | 39th pct |
| Net worth ratio | 6.79% | 1th pct | 5th pct |
| Return on average assets | -0.32% | 8th pct | 15th pct |
| Net interest margin | 3.68% | 50th pct | 31th pct |
| Cost of funds | 0.94% | 53th pct | 57th pct |
| Loan-to-share | 71.23% | 70th pct | 67th pct |
| Delinquency 60+ days | 0.51% | 43th pct | 34th pct |
| Net charge-off ratio | 0.48% | 70th pct | 51th pct |
| Loan growth YoY | 6.12% | 94th pct | 95th pct |
| Share growth YoY | 0.73% | 25th pct | 30th pct |
| Efficiency ratio | 99.95% | 94th pct | 85th pct |
structural peer set hash: 27c45e96417f3915acfa2ed59dcc8c5d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.