Institution profile
VALLEY FIRST
Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
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NCUA identity
- NCUA charter number
- 24986
- Credit union type
- Federal credit union
- Federal insurance
- Federally insured through the NCUA / National Credit Union Share Insurance Fund
- Low-income designation
- Yes
NCUA-reported main office
Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.
- Address line 1
- 1005 W Orangeburg Ave
- City
- Modesto
- State
- CA
- ZIP
- 95350
- County
- Stanislaus
- Country
- United States
- Phone
- 2095498500
- Hours
- Monday - Friday 8:00AM - 6:00PM Saturday 9:00AM - 2:00PM
NCUA quarterly financial summary
Data period: March 31, 2026
- Members
- 80,615
- Total assets
- $1,108,042,162
- Total loans — all reported loan categories
- $802,909,205
- Shares and deposits
- $926,403,611
- Return on average assets
- 0.65%
- Net worth ratio
- 9.68%
- Loan-to-share ratio
- 86.67%
NCUA total-loan balances are institution-wide and are not presented as mortgage volume.
Four-quarter growth metrics
- Shares/deposits four-quarter growth
- 6.2%
- Loans four-quarter growth
- 13.14%
- Assets four-quarter growth
- 5.64%
- Members four-quarter growth
- 1.47%
- Net-worth four-quarter growth
- 6.59%
Location characteristics
Source-reported location characteristics. These fields are not recommendations or quality indicators.
- Member services
- No
- ATM
- Yes
- Drive-thru
- No
- Shared service-center network
- No
NCUA source dates
- NCUA call-report date
- March 31, 2026
- NCUA locations data date
- March 31, 2026
- NCUA locations observed
- August 7, 2026
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- Federally insured federal credit union