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.
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