Valley First
Valley First is a credit union based in Modesto, California, established in 1956, with $1.1 billion in total assets serving 80,615 members. By Trust Grade it ranks 131st of 241 credit unions we track in California. Its net worth ratio of 9.7% trails most similarly sized credit unions (26th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 0.63% return on assets. No consumer complaints against Valley First appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Valley First compares to California peers
How we graded Valley First
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.7% capital ratio)
- Profitable (ROA 0.63%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Valley First over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Valley First insured?
Yes. Valley First is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Valley First: frequently asked questions
Is Valley First a good credit union?
Valley First earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (9.7% capital ratio); Profitable (ROA 0.63%).
Is Valley First NCUA-insured?
Yes. Valley First is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Valley First?
Valley First holds $1.1 billion in total assets, ranking 131st of 241 credit unions we track in California. It serves 80,615 members.
Does Valley First have CFPB complaints?
No CFPB complaints against Valley First appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
