Valley Strong Credit Union Posts 3.8% Deposit Gain, Exceeding Expectations
Valley Strong Credit Union (68712) reports +3.8% YoY deposit growth in 2025 Q4, with $10,126 average deposit per member and 78.3% loan-to-share ratio.
Valley Strong Credit Union (68712), a $4.01B credit union headquartered in Bakersfield, CA, led by CEO Ambrosini, reported $3.58B in member deposits at the end of 2025 Q4, an increase of $132.21M (+3.8%) compared to the same quarter last year.
The credit union's 78.3% loan-to-share ratio represents a balanced approach between lending and liquidity.
Deposit Composition
| Deposit Type | Balance | % of Total | YoY |
|---|---|---|---|
| Money Market | $1.54B | 42.9% | +26.8% |
| Regular Shares | $1.02B | 28.5% | -7.3% |
| Share Drafts | $836.70M | 23.4% | +10.9% |
| Share Certificates | $104.58M | 2.9% | -40.9% |
| IRA/KEOGH | $76.12M | 2.1% | -6.4% |
| Non-Member Deposits | $5.60M | 0.2% | -95.4% |
Quarterly Trends
| Period | Total Deposits | QoQ | Avg/Member |
|---|---|---|---|
| 2024 Q1 | $3.34B | $10,271 | |
| 2024 Q2 | $3.34B | -0.1% | $9,937 |
| 2024 Q3 | $3.42B | +2.2% | $10,260 |
| 2024 Q4 | $3.45B | +1.0% | $10,216 |
| 2025 Q1 | $3.57B | +3.5% | $10,405 |
| 2025 Q2 | $3.54B | -1.0% | $10,166 |
| 2025 Q3 | $3.52B | -0.5% | $10,001 |
| 2025 Q4 | $3.58B | +1.8% | $10,126 |
Member Metrics
Valley Strong Credit Union serves 353,871 members, an increase of 4.8% year-over-year. The average member deposit is $10,126.
Peer Comparison
Among 196 credit unions in its asset peer group, Valley Strong Credit Union ranks in the 29th percentile for deposit growth.
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