Valley First
Modesto, CA · Charter 24986 · Peer group: credit unions $1B-$10B in assets (n=435)
Q2 2026
$1.1BAssets
$830.8MLoans
$925.8MShares
$108.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 77% of credit unions $1B-$10B in assets (rank 101 of 435).
- Widest gap: equity / assets trails 75% of credit unions $1B-$10B in assets (rank 328 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.57%
Rank 319 of 435
Net Interest Margin
3.77%
Rank 101 of 435
Efficiency Ratio
67.54%
Rank 153 of 435
Equity / Assets
9.81%
Rank 328 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.55% | 0.81% | 1.14% | Beats 27% | 319 / 435 | | |
| Return on Equity | 5.84% | 5.12% | 7.41% | 9.70% | Beats 33% | 291 / 435 | | |
| Net Interest Margin | 3.77% | 3.01% | 3.39% | 3.75% | Beats 77% | 101 / 435 | | |
| Efficiency Ratio | 67.54% | 65.25% | 71.39% | 77.86% | Beats 65% | 153 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.45% | 0.69% | 1.05% | Beats 48% | 229 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.81% | 9.81% | 10.84% | 12.63% | Beats 25% | 328 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.81% | 9.81% | 10.84% | 12.63% | Beats 25% | 328 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.74% | 78.33% | 88.38% | 95.61% | 55th pctl | 195 / 435 | | |
| Loans / Assets | 75.01% | 67.69% | 74.58% | 80.80% | 51st pctl | 211 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |