Credit union · NCUA insured
Valley First Credit Union
A $1.1B credit union headquartered in Modesto, CA, with 80,615 members and 8 branches in California. Best rates: CDs 4.00% and savings 0.10% APY.
Valley First Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#7 of 16 in Modesto, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley First Credit Union
- Headquarters
- 1005 W Orangeburg Ave, Modesto, CA 95350
- NCUA charter
- 24986
Branches
8 branches in California
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California
8 branches
Modesto area · 5
- Ceres Branch1501 Mitchell Rd, Ceres, CA 95307Directions
- J Street1419 J St, Modesto, CA 95354Directions
- Sisk Road3900 Sisk Rd Ste E2, Modesto, CA 95356Directions
- Oakdale126 W F St, Oakdale, CA 95361Directions
- Turlock3001 Countryside Dr, Turlock, CA 95380Directions
Fresno area · 2
- Clovis Commons645 W Herndon Ave, Suite 100, Clovis, CA 93612Directions
- Fresno Branch7685 N Fresno St, Fresno, CA 93720Directions
Stockton area · 1
- Tracy Branch1003 n Central Ave, Tracy, CA 95376Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.81% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.71% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | Not reported | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalNet worth ratio9.81%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.71%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assetsNot reportedPeers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Valley First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.