VALLEY FIRST
Federal • Modesto, California • Est. 1956
Quick Facts
- Charter Number
- #24986
- Type
- Federal
- Established
- 1956
- Headquarters
- Modesto, California 95350
- Address
- 1005 W Orangeburg Ave
- Branches
- 9
- ATMs
- 9
- Members
- 80,615
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
80,615 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY FIRST |
|---|---|
| Total Assets | $1.1B |
| Members | 80,615 |
| Loans Outstanding | $802.9M |
| Shares & Deposits | $926.4M |
| Net Worth | $107.2M |
| Net Worth Ratio | 9.68% |
| Loan-to-Share Ratio | 86.7% |
| Delinquency Rate | 0.68% |
| Net Income | +$1,753,616 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
9 locations · 9 ATMs
Orangeburg
Main Office1005 W Orangeburg Ave
Modesto, CA 95350
Fresno Branch
7685 N Fresno St
Fresno, CA 93720
Turlock
3001 Countryside Dr
Turlock, CA 95380
Sisk Road
3900 Sisk Rd Ste E2
Modesto, CA 95356-3226
Oakdale
126 W F St
Oakdale, CA 95361-3842
Who Can Join VALLEY FIRST?
Membership Type: Other/Unknown
Membership eligibility for VALLEY FIRST may vary. Contact the credit union directly to confirm qualification requirements.
Contact VALLEY FIRST directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
VALLEY FIRST is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, VALLEY FIRST has 80,615 members and a potential membership field of 6,016,158 people.
VALLEY FIRST's reported net worth ratio is 9.68% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
VALLEY FIRST operates 9 branch locations and has access to 9 ATMs. The main office is located at 1005 W Orangeburg Ave, Modesto, CA 95350.
VALLEY FIRST was established in 1956. It is a federal credit union chartered under charter number 24986. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or VALLEY FIRST. All financial data is for informational purposes only.