State credit union · Modesto, California · NCUA charter #68402
Valley First
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $1.06B
- Total assets
- 80,465
- Members
- 9.9%
- Net-worth ratio
Valley First scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.06B; members 80,465; net-worth ratio 9.92%; health rank #1,152 of 4,374; healthier than 73rd of scored peers.
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#1,152 of 4,374 health · 2025Q4Valley First · health 90/100 · $1.06B · 2025Q4
Call Report peers
Valley First in the assets neighbourhood
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Valley First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Valley First sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Valley First vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +3.81 pp (87.71% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.26 pp (9.92% vs 11.18%).
Valley First: in-state Call Report ranks
- In California, health place is #71 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #63 of 243 inside California ($1.06B reported).
- California membership ordinal: #42 of 243.
- One place up in California, RIZE (#70) ties at 90/100; one place down, Wescom Central (#72) ties at 90/100.
Quarter path for Valley First
Valley First: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved +3.6% from $1.03B (2024Q4) to $1.06B (2025Q4).
- Membership moved +1.9% from 78,988 to 80,465 over the same window.
- Net-worth ratio shifted +0.12 pp (9.80% → 9.92%).
9.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Valley First gives up 10 points in total. Delinquency Rate costs the most, 5 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 20.0 pts
- Return on Assets 14.3 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.92% | -1.26 pp |
| Delinquency Rate | 1.00% | +0.12 pp |
| Return on Assets | 0.45% | -0.06 pp |
| Member Growth | 1.87% | - |
| Loan-to-Share Ratio | 87.71% | +3.81 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.06B | 80,465 |
| 2024Q4 | $1.03B | 78,988 |
| 2023Q4 | $1.02B | 78,174 |
Credit Union Details
- Charter Number
- 68402
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Modesto
- Data Quarter
- 2025Q4
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near Valley First
Using this data
- Valley First ranks #1,152 of 4,374 nationally on financial health and #71 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Police
Frequently Asked Questions
Is Valley First financially healthy?
Valley First has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,152 of 4,374 nationally on health and #71 of 243 in California. Its net worth ratio is 9.92% and its delinquency rate 1.00%.
How does Valley First compare to other credit unions?
Valley First scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.71% vs 83.90%). Its widest shortfall is net worth ratio (9.92% vs 11.18%).
How can I join Valley First?
Membership eligibility for Valley First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Valley First directly for current membership requirements and application steps.
Is my money safe at Valley First?
Valley First is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Valley First's net worth ratio of 9.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.