VALLEY FIRST
Modesto, CA · Federal Credit Union · Chartered in CA
Who can join
Employee group
Members
80,615
Net Worth Ratio
9.68%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$1.11B
Peer Group 6
Members
80,615
as of latest quarter
Net Worth Ratio
9.68%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$1.11B
Total Shares
$926.4M
Total Loans
$802.9M
Net Income
$1.8M
Net Worth Ratio
9.68%
≥7% = Well Capitalized
Members
80,615
Return on Assets
0.16%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.41%
$3.3M
Loan-to-share ratio: 86.7%· healthy range 60–80%
Branch Locations
NCUAOrangeburg
1005 W Orangeburg Ave, Modesto, CA, 95350
Monday - Friday 8:00AM - 6:00PM Saturday 9:00AM - 2:00PM
Fresno Branch
7685 N Fresno St, Fresno, CA, 93720
Monday - Thursday 9:00AM - 5:00PM Friday 9:00AM - 6:00PM Saturday 9:00AM - 1:00PM
Turlock
3001 Countryside Dr, Turlock, CA, 95380
m - th 9-5:30, f 9-6, Saturday 9-1
Sisk Road
3900 Sisk Rd Ste E2, Modesto, CA, 95356-3226
m - th 9-5:30, f 9-6, Saturday 9-1
Oakdale
126 W F St, Oakdale, CA, 95361-3842
m - th 9-5:00, f 9-6
Ceres Branch
1501 Mitchell Rd, Ceres, CA, 95307
M-TH 9:00 - 5:30 F 9:00 - 6:00 Saturday 9:00 - 1:00
J Street
1419 J St, Modesto, CA, 95354
M - TH 9:00 - 5:30 F 9:00 - 6:00 SATURDAY 9:00 - 1:00
Tracy Branch
1003 n Central Ave, Tracy, CA, 95376-3914
m-th 10-5:00f 10-6:00
Clovis Commons
645 W Herndon Ave, Clovis, CA, 93612
9:00 - 5:30 M-TH9:00-6:00 F9:00-1:00 Sat
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/valley-first" target="_blank" rel="noopener">View VALLEY FIRST on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.