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The Lender Report built this page from public records. Valley Strong Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Valley Strong Credit Union itself. Each figure shows its source and date. Work at Valley Strong Credit Union? You can claim this page for free.
Credit union, Bakersfield, CA
Valley Strong Credit Union
A credit union based in Bakersfield, CA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $387M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 38
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 12
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $4.08B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 661-833-7900 From the NCUA record, June 30, 2026.
- Website
- www.valleystrong.comFrom the NCUA record, November 9, 2026.
- Names it files under
- VALLEY STRONG; Solano First, a Division of Valley Strong Credit Union; Financial Center, a Division of Valley Strong Credit Union; Valley Strong CUNCUA 5300,
- Address
- P.o. Box 9506, Bakersfield, CA 93389-9506NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Valley Strong Credit Union's Multifamily balance rose 55.8% to $57M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 40.1% to $103.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 14.8% to $60.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | California | SBA 504, Pharmacies and Drug Retailers | $420K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Offices of All Other Miscellaneous Health Practitioners | $210K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Insurance Agencies and Brokerages | $180K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Glass and Glazing Contractors | $250K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Arts, Entertainment, and Recreation | $110K | 25 yr | SBA FOIA | ||
| 2025 | Kings County, CA | Purchase, 5 to 24 units | $760K | 6.75% | 10 yr | 66% | HMDA 2025 |
| Dec 2025 | California | SBA 504, Agriculture, Forestry, Fishing and Hunting | $510K | 25 yr | SBA FOIA | ||
| 2025 | Tulare County, CA | Cash-out refinance, 5 to 24 units | $340K | 6.6% | 10 yr | 56% | HMDA 2025 |
| 2025 | Tulare County, CA | Cash-out refinance, 5 to 24 units | $340K | 6.6% | 10 yr | 53% | HMDA 2025 |
| 2025 | Tulare County, CA | Refinance, 5 to 24 units | $320K | 6.6% | 10 yr | 20% | HMDA 2025 |
| Aug 2025 | California | SBA 504, Engineering Services | $1.7M | 25 yr | SBA FOIA | ||
| Mar 2025 | California | SBA 504, Offices of All Other Miscellaneous Health Practitioners | $1.2M | 25 yr | SBA FOIA | ||
| 2024 | Kern County, CA | Cash-out refinance, 5 to 24 units | $1.8M | 6.65% | 30 yr | 35% | HMDA 2024 |
| 2024 | Tulare County, CA | Cash-out refinance, 5 to 24 units | $1M | 6.66% | 30 yr | 55% | HMDA 2024 |
| Oct 2024 | California | SBA 504, Full-Service Restaurants | $2.2M | 25 yr | SBA FOIA | ||
| 12 SBA 504 first liens since October 2023, net of cancelled | $13.4M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $57.0M | 2.0% | +37.9% | 52 | $1.10M |
| Construction and land development | $60.7M | 2.1% | +14.8% | 8 | $7.59M |
| Owner-occupied CRE | $104M | 3.6% | +40.1% | 99 | $1.05M |
| Non-owner-occupied CRE | $121M | 4.2% | -2.0% | 55 | $2.21M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $44.4M | 1.5% | +69.7% | 124 | $358K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $387M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $198M |
| Q4 2023 | $208M |
| Q1 2024 | $216M |
| Q2 2024 | $239M |
| Q3 2024 | $250M |
| Q4 2024 | $273M |
| Q1 2025 | $287M |
| Q2 2025 | $318M |
| Q3 2025 | $337M |
| Q4 2025 | $355M |
| Q1 2026 | $355M |
| Q2 2026 | $387M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 4 | $1.80M | $340K | $760K | HMDA, |
| Multifamily, 5 or more units | 2024 | 2 | $2.80M | $1.40M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 66 | $10.2M | $110K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 12 | $13.4M | $487K | $4.3M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 38 | $69.7M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $200K | NCUA 5300, | ||
| Construction | First half of 2026 | 4 | $26.3M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 22 | $21.2M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 11 | $22.0M | NCUA 5300, | ||
| C&I | First half of 2026 | 10 | $18.5M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $7.59M |
| Multifamily | $1.10M |
| Owner-occupied CRE | $1.05M |
| Non-owner-occupied CRE | $2.21M |
| Commercial and industrial | $358K |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2023-04-29.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 31 | 4 | 66 | 0 | 12 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $500M | $339M to $829M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $395M | $0 to $715M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 78.9% | 0.0% to 86.2% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $56.8M | $48.7M to $91.7M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 63.1% | 2.1% to 85.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 70.8% | 65.4% to 79.7% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Technology Credit Union | CA | $4.54B | $224M |
| Nuvision Credit Union | CA | $3.97B | $290M |
| SAFE Credit Union | CA | $4.42B | $376M |
| Kinecta Credit Union | CA | $6.77B | $709M |
| Stanford Credit Union | CA | $4.64B | $456M |
| California Credit Union | CA | $5.43B | $501M |
| Travis Credit Union | CA | $5.85B | $350M |
| Partners Credit Union | CA | $2.77B | $20.5M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Valley Strong Credit Union, NCUA charter 68712. Compare it with the regulator's record. [NCUA profile]
- Balances. $4.08B in total assets and $387M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 38 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 84 loans in HMDA and SBA files, through September 30, 2026: 4 HMDA multifamily 2025, 2 HMDA multifamily 2024, 66 HMDA 1-4 unit investor 2025, 12 SBA 504 first liens in 36 months. [How each file was tied to Valley Strong Credit Union]
- Phone and website. Phone 661-833-7900, from the NCUA record. Website valleystrong.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 68712
- RSSD
- 511579
- LEI
- 5493006MA7WP1WL8U431
- The Lender Report ID
- lr_000463
- Main office county
- Kern
- Members
- 372,111
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $4.1B in total assets as of June 30, 2026 (NCUA 5300).
- Held $387.3M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $121.3M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $103.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 40.1% from a year earlier (NCUA 5300).
- Held $60.7M of construction and land loans as of June 30, 2026, up 14.8% from a year earlier (NCUA 5300).
- Originated 4 multifamily loans totaling $1.8M in 2025 (HMDA).
7 more sentences
- Originated 2 multifamily loans totaling $2.8M in 2024 (HMDA).
- Originated 66 1-4 unit investor or business-purpose loans totaling $10.2M in 2025 (HMDA).
- Provided the first lien on 12 SBA 504 projects with $13.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 38 real-estate-secured commercial loans totaling $69.7M in the first half of 2026 (NCUA 5300).
- Held $40.8M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 31 offices in 1 state (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Valley Strong Credit Union, https://lender.report/lender/valley-strong-credit-union-ca/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Valley Strong Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem