VALLEY OAK
CUThree Rivers, CA
Total Assets
$82M
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Total Loans
$54M
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VALLEY OAK in CA reported a Texas Ratio of 5.0% in Q1 2026, declining -0.7pp from the prior period. Nonperforming assets fell to 0.51%, down -0.11pp quarter-over-quarter.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $11M | 20.1% | — | — |
| 1-4 family — junior lien | $7M | 13.6% | — | — |
| Multifamily | $0 | 0.0% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
VALLEY OAK currently appears on: Net Worth Distress