Valley Strong Credit Union (NCUA charter #68712) is based in Bakersfield, California. Its Q2 2026 call report shows $4.1B in total assets and $3.7B in member shares and deposits and 31 offices.
Based on its Q2 2026 filing, Valley Strong Credit Union scores 51/100, which we describe as below average. That is higher than only 7% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 217th. Its strongest component is funding & liquidity (81/100; 79% loans-to-deposits, 8% uninsured), and its lowest is loan quality (35/100; 1.94%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (50 → 51).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 55 |
| Q4 2024 | 50 |
| Q1 2025 | 52 |
| Q2 2025 | 50 |
| Q3 2025 | 51 |
| Q4 2025 | 49 |
| Q1 2026 | 47 |
| Q2 2026 | 51 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.27% |
| Q3 2024 | 9.32% |
| Q4 2024 | 9.11% |
| Q1 2025 | 9.13% |
| Q2 2025 | 9.35% |
| Q3 2025 | 9.56% |
| Q4 2025 | 9.23% |
| Q1 2026 | 9.05% |
| Q2 2026 | 9.27% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.89% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.89% |
| Q3 2025 | 1.86% |
| Q4 2025 | 2.01% |
| Q1 2026 | 2.09% |
| Q2 2026 | 1.94% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $4.1B | 9.27% | 1.94% | 0.77% | 79.2% |
| Q1 2026 | 47 | $4.1B | 9.05% | 2.09% | 0.57% | 78.3% |
| Q4 2025 | 49 | $4.0B | 9.23% | 2.01% | 0.67% | 78.3% |
| Q3 2025 | 51 | $3.9B | 9.56% | 1.86% | 0.68% | 82.1% |
| Q2 2025 | 50 | $3.9B | 9.35% | 1.89% | 0.60% | 81.0% |
| Q1 2025 | 52 | $4.0B | 9.13% | 1.62% | 0.55% | 79.5% |
| Q4 2024 | 50 | $3.9B | 9.11% | 1.89% | 0.77% | 83.2% |
| Q3 2024 | 55 | $3.9B | 9.32% | 1.46% | 0.87% | 85.8% |
| Q2 2024 | 58 | $3.9B | 9.27% | 1.38% | 1.04% | 86.6% |
454 peers · $1 billion – $10 billion
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Credit Union of Southern Ca, aCredit union Anaheim, CA | 75 out of 100, Strong | $4.0B | 11.3% | 0.60% | vs |
| Nuvision Federal Credit UnionCredit union Huntington Beac, CA | 70 out of 100, Strong | $4.0B | 12.0% | 0.62% | vs |
| Safe Credit UnionCredit union Folsom, CA | 71 out of 100, Strong | $4.4B | 10.8% | 0.52% | vs |
| Technology Credit UnionCredit union San Jose, CA | 62 out of 100, Moderate | $4.5B | 11.3% | 0.57% | vs |
| Provident Credit UnionCredit union Redwood City, CA | 72 out of 100, Strong | $3.6B | 10.9% | 0.07% | vs |
| Stanford Federal Credit UnionCredit union Palo Alto, CA | 73 out of 100, Strong | $4.6B | 11.2% | 0.21% | vs |
Deposit insurance
Is my money safe at Valley Strong Credit Union?
Yes. Valley Strong Credit Union is a federally insured credit union (NCUA charter #68712). 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 8.2% of shares and deposits ($300.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.27%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
31 locations
Branches
Valley Strong Credit Union lists 31 offices in 13 cities. Most locations:
- Bakersfield, CA (15)
- Stockton, CA (3)
- Fairfield, CA (2)
- Hanford, CA (2)
- Delano, CA (1)
- Dinuba, CA (1)
- Lodi, CA (1)
- Manteca, CA (1)
- Porterville, CA (1)
- Tehachapi, CA (1)
- Tulare, CA (1)
- Vacaville, CA (1)
HMDA 2025
Mortgage lending
In 2025, Valley Strong Credit Union reported 2,267 home-loan applications under HMDA (LEI 5493006MA7WP1WL8U431): 1,204 originated ($211,820,000 total), 503 denied, and 276 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Platinum Credit Card | 12.75% – 17.90% | $0 | — | 1.0% |
Identity & history
Profile
- Legal name
- Valley Strong Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68712
- RSSD ID
- 511579
- Primary regulator
- State + NCUA
- Established
- 1940
- Headquarters
- P.O. Box 9506, Bakersfield, CA 93389
- Employees
- 618
Quick answers
Valley Strong Credit Union: common questions
Is Valley Strong Credit Union NCUA insured?
Yes. Valley Strong Credit Union is a federally insured credit union (NCUA charter #68712). 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 Valley Strong Credit Union's TellerScore?
51 out of 100 (Below average), 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 Valley Strong Credit Union have?
31 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bakersfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Safe 1 Credit UnionCredit union Bakersfield, CA | 90 out of 100, Very strong | $1.2B | 16.0% | 0.37% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |
| Mission BankBank Bakersfield, CA | 80 out of 100, Strong | $2.0B | 12.2% | 0.02% | vs |
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |
| Strata Federal Credit UnionCredit union Bakersfield, CA | 78 out of 100, Strong | $344.5M | 14.2% | 0.23% | vs |
| Bakersfield City Employees Federal Credit UnionCredit union Bakersfield, CA | 78 out of 100, Strong | $30.1M | 12.1% | 0.03% | vs |