Valley First Federal Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
Valley First Federal Credit Union is a federally insured credit union headquartered in Modesto, CA, established in 1956. As of June 30, 2026, it served 80,982 members and reported total assets of $1.11B. All figures are standardized from the credit union's NCUA 5300 call report.
Frequently asked about Valley First Federal Credit Union
How big is Valley First Federal Credit Union?
Valley First Federal Credit Union reported approximately $1.11B in total assets and 80,982 members as of Q2 2026.
Is Valley First Federal Credit Union well capitalized?
Its net worth ratio was 9.81%. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
Credit Union Profile
- Headquarters
- Modesto, CA 95350
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 24986
- RSSD ID
- 617882
- Members
- 80,982
- Potential members
- 6,016,158
Size & Membership
Profitability
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
Valley First Federal Credit Union ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.81% | 10.89% | 25th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.51% | 0.89% | 21st bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.23% | 8.07% | 24th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.77% | 3.45% | 73rd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 69.02% | 70.59% | 55th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.23% | 1.68% | 83rd top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.71% | 0.68% | 48th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.99% | 5.12% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 89.74% | 88.03% | 56th position only |
Quarterly trends
Last 2 quarters from this credit union's own NCUA 5300 call reports. Balances are as of each quarter end; ratios are annualized.
Balances at each quarter end. Shares are the credit-union term for member deposits.
Balances at each quarter end. Net worth is the credit-union equivalent of equity capital.
Net worth over total assets. NCUA calls a credit union well capitalized at 7% and undercapitalized below 6%.
Loans over shares and deposits: how much of member money is lent out rather than invested or held in cash.
Loans 60 or more days past due as a share of total loans.
Annualized, so each point is a rate rather than a running total.
Annualized. Interest income less interest expense, over average earning assets.
Reported member count at each quarter end.
Quarterly trend: last 2 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from Valley First Federal Credit Union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.81% | 0.51% | 0.71% | 89.74% |
| March 31, 2026 | 9.68% | 0.63% | 0.68% | 86.67% |
Scroll sideways to see every column.
Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.