Valley Oak Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 18.2 percent and a “hot money” ratio of 10.8 percent. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 6.9.
Asset Mix:
Consumer loans (39%), home mtgs (14%), securities (1%), other (46%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
40870 Sierra Drive
Three Rivers, CA 93271
Three Rivers, CA 93271
Phone Number
(559) 561-4471
NCUA Charter Number
Website
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