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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,152 of 4,374 health · 2025Q4Valley First · health 90/100 · $1.06B · 2025Q4
- ASSETS 90/100
- MEM 9.9%
- RANK 1.00%
- PHOTO 0.45%
- BOOK $1.06B
- CHARTER 80,465
- NCUSIF #1,152/4,374
- CAMELS 1st Advantage
- HEALTH 68402
Call Report peers
Valley First in the assets neighbourhood
Valley First's $1.06B assets sit next to 1st Advantage ($1.06B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Valley First vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Valley First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68402 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Valley First
Valley First: total assets by quarter
3 Call Report filings on this page's own vintage chain
- 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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Valley First's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.06B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Valley First financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Valley First's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,152 of 4,374; by total assets it ranks #448 of 4,374 nationally (same basis as /rankings/largest); and #63 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.92% net worth ratio and 1.00% delinquency rate are the key drivers.
How does Valley First compare to other credit unions?
90/100 is Valley First's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Valley First are 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."
What rates does Valley First offer compared to banks?
Credit unions like Valley First are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Valley First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.