D
Valley Agricultural Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
10.67
Leverage
Ratio
10.67
Return On
Assets
0.37%
Total
Assets
4.86M
Capital
518.00K
Total
Deposits
4.33M
Net
Income
9.00K
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Weiss Ratings Valley Agricultural Federal Credit Union
Santa Paula, CA 		Click to
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Rating D
Asset Quality Index 8.50
Capitalization Index 8.70
Liquidity Index 6.30
Profitability Index 3.00
Stability Index 3.00
Company Info Valley Agricultural Federal Credit Union
Santa Paula, CA 		Click to
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NCUA Charter Number 3236
Phone Number (805) 525-9989
Website www.valleyagfcu.org
Asset Quality Valley Agricultural Federal Credit Union
Santa Paula, CA 		Click to
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1-Year Asset Growth -1.76%
5-Year Asset Growth -0.57%
5-Year Charge-Offs to Average Loans 0.55%
Charge-Offs to Average Loans 1.21%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 1.33%
Non-Performing Loans to Loans 0.31%
Balance Sheet Valley Agricultural Federal Credit Union
Santa Paula, CA 		Click to
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Total Assets 4.86M
Total Deposits 4.33M
Capital and Reserves Valley Agricultural Federal Credit Union
Santa Paula, CA 		Click to
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Capital 518.00K
Leverage Ratio 10.67
Loan Loss Reserves to Loans 0.31%
Liquidity Valley Agricultural Federal Credit Union
Santa Paula, CA 		Click to
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Hot Money Ratio 2.47%
Liquidity Ratio 54.84%
Profitability Valley Agricultural Federal Credit Union
Santa Paula, CA 		Click to
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5-Year Return on Average Assets -0.34%
Net Income 9.00K
Net Interest Spread 5.22%
Operating Profit to Average Assets 0.53%
Overhead Efficiency Ratio 89.68%
Return on Assets 0.37%
Return on Equity 3.50%