VALLEY FIRST Credit Union Profile

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VALLEY FIRST

Charter #68402 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (209) 549-8500

Fax: (209) 579-4120

Founding Date: N/A

Website: http://www.valleyfirstcu.org

Personnel & Operations

President: Peterson, Chris

Manager: Davis, Kathryn

FT Employees: 168

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 8

Hours: Monday - Friday 8:00AM - 6:00PM Saturday 9

Credit Union Profile Summary

VALLEY FIRST is a FISCU Credit Union. With a total of 79,460 members [1], this institution manages approximately $1,039,282,367 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.01% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.14% [1].

Financial Snapshot

Total Assets [1]
$1,039,282,367

Total economic resources.

Total Loans [1]
$721,527,491

Total value of outstanding loans.

Total Deposits [1]
$860,469,204

Total funds deposited by members.

Members [1]
79,460

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.01%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.64%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
83.85%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.35%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -0.14%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.92%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1005 W Orangeburg Ave

Modesto, CA, 95350
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 9 branches reported by VALLEY FIRST (Charter #68402).

Main Office

Orangeburg Main Office

Type: Corporate Office

1005 W Orangeburg Ave

Modesto, CA 95350

Phone: (209) 549-8500

Services: Member Services, ATM

Open in Directions

Additional Branches

Ceres

Ceres Branch

Type: Branch Office

1501 Mitchell Rd

Ceres, CA 95307

Phone: (209) 549-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Clovis

Clovis Commons

Type: Branch Office

645 W Herndon Ave

Suite 100

Clovis, CA 93612

Phone: (209) 549-8500

Services: Member Services, ATM

Open in Directions

Fresno

East Shaw Branch

Type: Branch Office

618 E Shaw Ave

Fresno, CA 93710-7704

Phone: (209) 549-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Modesto

J Street

Type: Branch Office

1419 J St

Modesto, CA 95354

Phone: (209) 549-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Sisk Road

Type: Branch Office

3900 Sisk Rd Ste E2

Modesto, CA 95356-3226

Phone: (209) 549-8500

Services: Member Services, ATM

Open in Directions

Oakdale

Oakdale

Type: Branch Office

126 W F St

Oakdale, CA 95361-3842

Phone: (209) 549-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Tracy

Tracy Branch

Type: Branch Office

1003 n Central Ave

Tracy, CA 95376-3914

Phone: (209) 549-8500

Services: Member Services, ATM

Open in Directions

Turlock

Turlock

Type: Branch Office

3001 Countryside Dr

Turlock, CA 95380

Phone: (209) 549-8500

Services: Member Services, ATM

Open in Directions