Modesto, CA · Federal Credit Union · Chartered in CA
Who can join
Employer / occupational group
Members
80,615
Net Worth Ratio
9.68%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
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.
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
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 111 | 58 | 8 | 52.3% | 7.2% |
| 2022 | 223 | 123 | 19 | 55.2% | 8.5% |
| 2021 | 417 | 207 | 31 | 49.6% | 7.4% |
No CFPB complaint data available for this credit union.
Orangeburg
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
Copy the snippet below to embed a link to this profile on your website.
<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.
Loan-to-share ratio: 86.7%· healthy range 60–80%
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