Loan Analysis
CA
2025 Q4
Valley Strong Credit Union Loan Growth Ranks 10th Among CA Peers
Valley Strong Credit Union (68712) reports -2.2% YoY loan growth in 2025 Q4, with 78.3% loan-to-share ratio and 2.01% delinquency rate.
By Cassandra Troy · Finleet CU Intelligence
2026-03-14
Valley Strong Credit Union (68712) reported $2.81B in total loans and leases at the end of 2025 Q4, a decrease of $64.32M (-2.2%) year-over-year. The credit union's delinquency rate stands at 2.01%.
With a 78.3% loan-to-share ratio, Valley Strong Credit Union balances lending activity with liquidity management.
Loan Portfolio Composition
| Loan Type | Balance | % of Portfolio | YoY |
|---|---|---|---|
| Used Vehicle | $309.93M | 11.0% | +33.5% |
| New Vehicle | $59.02M | 2.1% | +110.2% |
Quarterly Trends
| Period | Total Loans | QoQ | Total Assets |
|---|---|---|---|
| 2024 Q1 | $2.84B | $3.85B | |
| 2024 Q2 | $2.89B | +1.8% | $3.89B |
| 2024 Q3 | $2.93B | +1.4% | $3.93B |
| 2024 Q4 | $2.87B | -2.1% | $3.92B |
| 2025 Q1 | $2.84B | -1.1% | $3.96B |
| 2025 Q2 | $2.86B | +0.9% | $3.94B |
| 2025 Q3 | $2.89B | +0.8% | $3.94B |
| 2025 Q4 | $2.81B | -2.8% | $4.01B |
Peer Comparison
Among 196 credit unions in its asset peer group, Valley Strong Credit Union ranks in the 10th percentile for loan growth.
Want the Full Picture?
Access complete financials, peer comparison, and 10-year trends in the Finleet Terminal.
GET FINLEET TERMINAL