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Valley First
Modesto, CA · NCUA Charter #24986 · Federal charter · Chartered 1956
Total assets
$1.11B
Shares & deposits
$925.76M
Total loans
$830.80M
Members
80,982
Net worth
$108.65M
Branches
9
Rank: #443 of 4,299 U.S. credit unions by assets · #62 of 239 in California. Assets changed - and membership - over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 9.81% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.41% |
| Loans to shares & deposits | 89.7% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2026 | $1.11B | $925.76M | $0 | $108.65M |
Branch footprint
| State | Branches |
|---|---|
| California | 9 |
Similar-sized credit unions
Michigan Educational ($1.11B) · Community 1St ($1.10B)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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