Side-by-side · Q2 2026 data
Valley Oak Credit Union vs California Community Credit Union
Credit union
Valley Oak Credit Union
Three Rivers, California · Under $100 million in assets
Credit union
California Community Credit Union
Sacramento, California · Under $100 million in assets
Metric by metric
| Measure | Valley Oak Credit Union | California Community Credit Union |
|---|---|---|
| TellerScore | 49 | 79 (stronger) |
| Capital cushion | 18 | 72 (stronger) |
| Loan quality | 76 | 98 (stronger) |
| Earnings | 19 | 40 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 8th | 62nd |
| Total assets | $82.2M | $82.5M |
| Deposits / shares | $74.6M | $71.5M |
| Capital ratio | 6.85% | 12.20% (stronger) |
| Problem loans | 0.71% | 0.07% (stronger) |
| Net charge-offs | 0.34% | 0.25% (stronger) |
| Return on assets | -0.03% | 0.49% (stronger) |
| Loans ÷ deposits | 78.1% | 40.7% (stronger) |
| Uninsured deposits | 1.5% (stronger) | 7.4% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California Community Credit Union has the higher TellerScore (79 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Valley Oak Credit Union leads on 1 and California Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.