Institution Profile
Address: PO BOX 5011 VISALIA, CA 93278
(559) 737-5900
Website:
NCUA Profile:
Charter Date:
1/1/1948
Charter Type:
Federal
Branches:
5
Branches by Region
CA 6
Financial Overview
Total Assets
$338.17M
Total Deposits
$301.71M
Total Loans
$156.06M
Members
25,038
Employees
79 74 Full-time / 5 Part-time
Allowance for Loan Losses
$5.55M
Performance Ratios
Net Worth Ratio
9.19%
Loan-to-Deposit Ratio
51.73%
Coverage Ratio
3.56% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +35.64% Total Deposits: +33.54% Total Loans: +1.11% since 2020 Q1
Member Growth
Member Growth
Members: -14.96% since 2020 Q1
Employee Growth
Employee Growth
Employees: +11.27% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
3,017
Amount This Year (YTD)
$57.11M
Number of Loans per Quarter
Loans Granted: +31.54% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +35.74% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$86.88M 55.7%
New Vehicle
$14.71M 9.4%
Credit Card
$14.30M 9.2%
1st Mortgages
$12.44M 8.0%
Other Unsecured
$11.93M 7.6%
HELOCs
$8.09M 5.2%
Other Secured
$7.71M 4.9%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 25,038 | $338.17M | $301.71M | $156.06M | 79 |
| 2025 Q3 | 25,038 | $337.46M | $298.08M | $155.25M | 78 |
| 2025 Q2 | 24,583 | $322.59M | $289.66M | $152.35M | 82 |
| 2025 Q1 | 24,322 | $320.96M | $288.70M | $148.56M | 77 |
| 2024 Q4 | 24,192 | $306.33M | $275.49M | $150.70M | 76 |
| 2024 Q3 | 24,182 | $350.56M | $274.99M | $152.02M | 76 |
| 2024 Q2 | 24,190 | $331.09M | $268.68M | $155.23M | 75 |
| 2024 Q1 | 24,264 | $329.35M | $276.58M | $156.20M | 74 |
| 2023 Q4 | 29,303 | $354.80M | $276.48M | $157.19M | 73 |
| 2023 Q3 | 29,227 | $323.07M | $283.02M | $150.69M | 74 |
| 2023 Q2 | 28,956 | $313.74M | $284.91M | $141.50M | 77 |
| 2023 Q1 | 28,985 | $316.50M | $292.25M | $139.02M | 76 |
| 2022 Q4 | 28,852 | $313.03M | $288.28M | $133.34M | 74 |
| 2022 Q3 | 28,845 | $316.29M | $294.90M | $126.53M | 71 |
| 2022 Q2 | 28,863 | $326.65M | $301.03M | $123.98M | 73 |
| 2022 Q1 | 28,907 | $332.80M | $304.73M | $122.71M | 64 |
| 2021 Q4 | 28,870 | $320.74M | $290.82M | $123.93M | 59 |
| 2021 Q3 | 28,725 | $321.58M | $292.71M | $124.90M | 55 |
| 2021 Q2 | 28,716 | $315.20M | $289.53M | $125.64M | 58 |
| 2021 Q1 | 28,615 | $307.62M | $283.60M | $128.08M | 54 |
| 2020 Q4 | 28,868 | $281.44M | $256.28M | $134.09M | 55 |
| 2020 Q3 | 29,150 | $277.73M | $254.52M | $139.03M | 54 |
| 2020 Q2 | 29,257 | $270.70M | $247.79M | $145.73M | 54 |
| 2020 Q1 | 29,441 | $249.32M | $225.92M | $154.35M | 71 |
Interest Rates
Current average rates by loan type
New Vehicle
7.31%
Used Vehicle
9.68%
1st Mortgage (Fixed)
7.91%
HELOC
8.08%
Credit Card
12.75%
Other Unsecured
13.81%