VALLEY FIRST
State-Chartered • Modesto, California • Est. 1956
Quick Facts
- Charter Number
- #68402
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Modesto, California 95353
- Address
- PO Box 1411
- Branches
- 9
- ATMs
- 9
- Members
- 80,465
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
80,465 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY FIRST |
|---|---|
| Total Assets | $1.1B |
| Members | 80,465 |
| Loans Outstanding | $776.4M |
| Shares & Deposits | $885.2M |
| Net Worth | $105.5M |
| Net Worth Ratio | 9.92% |
| Loan-to-Share Ratio | 87.7% |
| Delinquency Rate | 1.00% |
| Net Income | +$15,846,638 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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: Community
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.
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View California RankingsFrequently Asked Questions
Yes. VALLEY FIRST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, VALLEY FIRST has 80,465 members and a potential membership field of 6,016,158 people.
VALLEY FIRST's net worth ratio is 9.92% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.9%, VALLEY FIRST meets this threshold.
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 state-chartered credit union chartered under charter number 68402. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or VALLEY FIRST. All financial data is for informational purposes only.