TellerScore

Golden Valley Federal Credit Union (NCUA charter #11652) is based in Manteca, California. Its Q2 2026 call report shows $39.7M in total assets and $35.0M in member shares and deposits and 2 offices across 2 states.

Golden Valley Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 141st. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 5% uninsured); earnings contributes the least (50/100, 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.51%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.38%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity98/100
Loans ÷ shares: 62.3% · 5.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (70 → 66), mostly because the loan quality component weakened by 27 points.

TellerScore
656972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202469
Q1 202570
Q2 202570
Q3 202567
Q4 202568
Q1 202672
Q2 202666
Net worth ratio
7.00%9.26%11.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.90%
Q3 202410.28%
Q4 202410.66%
Q1 202510.49%
Q2 202510.71%
Q3 202511.05%
Q4 202511.36%
Q1 202611.34%
Q2 202611.51%
Delinquent loans (60+ days)
0.40%0.89%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.86%
Q4 20240.57%
Q1 20250.60%
Q2 20250.58%
Q3 20250.95%
Q4 20250.94%
Q1 20260.50%
Q2 20261.38%
Return on assets
0.29%0.53%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.49%
Q4 20240.49%
Q1 20250.67%
Q2 20250.64%
Q3 20250.57%
Q4 20250.52%
Q1 20260.54%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$39.7M11.51%1.38%0.76%62.3%
Q1 202672$39.4M11.34%0.50%0.54%64.1%
Q4 202568$38.9M11.36%0.94%0.52%66.9%
Q3 202567$39.7M11.05%0.95%0.57%65.8%
Q2 202570$40.5M10.71%0.58%0.64%65.4%
Q1 202570$40.7M10.49%0.60%0.67%63.4%
Q4 202469$39.5M10.66%0.57%0.49%65.6%
Q3 202465$40.5M10.28%0.86%0.49%66.2%
Q2 202467$41.2M9.90%0.40%0.29%64.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.51%
27th
Problem loans1.38%
30th
Net charge-offs1.57%
8th
Return on assets0.76%
56th
Loans to deposits62.3%
45th
Uninsured deposits5.3%
20th
Loan-loss reserves0.00%
37th
Texas ratio6.6%
22nd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Media City Credit UnionCredit union Burbank, CA79 out of 100, Strong$39.4M15.8%0.96%vs
Diablo Valley Federal Credit UnionCredit union Concord, CA72 out of 100, Strong$40.1M10.9%0.05%vs
Organized Labor Credit UnionCredit union Modesto, CA65 out of 100, Moderate$39.2M10.4%1.38%vs
Befit Financial Federal Credit UnionCredit union Vacaville, CA60 out of 100, Moderate$38.2M10.0%1.20%vs
Fox Federal Credit UnionCredit union Los Angeles, CA57 out of 100, Moderate$36.6M9.4%0.35%vs
Corrections Federal Credit UnionCredit union Soledad, CA58 out of 100, Moderate$36.1M8.5%0.07%vs

Deposit insurance

Is my money safe at Golden Valley Federal Credit Union?

Yes. Golden Valley Federal Credit Union is a federally insured credit union (NCUA charter #11652). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.3% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.51%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Golden Valley Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Golden Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
11652
RSSD ID
670784
Primary regulator
NCUA
Established
1957
Headquarters
409 W Center St, Manteca, CA 95336
Employees
9

Quick answers

Golden Valley Federal Credit Union: common questions

Is Golden Valley Federal Credit Union NCUA insured?

Yes. Golden Valley Federal Credit Union is a federally insured credit union (NCUA charter #11652). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Golden Valley Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Golden Valley Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Manteca

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs