Modesto, California · Peer group 6
Valley First Credit Union
Valley First Credit Union holds $1.11B in assets across 80,615 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1956. Charter number 24986, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.11B |
|---|---|
| Total loans | $802.9M |
| Total shares (deposits) | $926.4M |
| Net worth | $107.2M |
| Members | 80,615 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.6% | |
|---|---|---|
| Loans | 13.1% | higher than 91% of its peer group |
| Deposits | 6.2% | around the 67th percentile of its peer group |
| Members | 1.5% | around the 50th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 86.7% | around the 56th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.7% | around the 30th percentile of its peer group |
| Return on assets | 0.63% | around the 47th percentile of its peer group |
| Delinquency ratio | 0.68% | around the 57th percentile of its peer group |
| Cash / assets | 14.5% | around the 87th percentile of its peer group |
| Borrowings / assets | 6.3% | around the 82nd percentile of its peer group |
What this page does not show
Everything above is Valley First Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Safe 1 Credit Union
BAKERSFIELD, CA
$1.12B · 89,063 members
- Blupeak Credit Union
San Diego, CA
$1.13B · 52,548 members
- The Police Credit Union
SAN BRUNO, CA
$1.05B · 37,961 members
- Mirastar Credit Union
San Jose, CA
$1.04B · 50,198 members
- University Credit Union
Los Angeles, CA
$1.19B · 60,510 members
- Honda Credit Union
Torrance, CA
$1.20B · 60,566 members
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