PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valley First

Modesto, CA · Charter 24986

Q2 2026

$1.1BAssets
$830.8MLoans
$925.8MShares
$108.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.57%; NIM at 3.77%.
  • Asset quality: problem loans at 0.71% of loans.
  • Capital: net worth / assets of 9.81%.
  • Funding: loans stand at 89.74% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.57%

Net Interest Margin (quarter, annualized)

3.77%

Efficiency Ratio (quarter, annualized)

67.54%

Net Worth / Assets

9.81%

Discrete quarter, annualized.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.57%n/a
Return on Equity6.54%5.84%n/a
Net Interest Margin3.77%3.77%n/a
Efficiency Ratio66.03%67.54%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.68%0.71%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans0.00%0.00%n/a
Capital
Risk-Based Capital9.68%9.81%n/a
Net Worth / Assets9.68%9.81%n/a
Liquidity & Funding
Loans / Shares86.67%89.74%n/a
Liquid Assets / Assets0.00%0.00%n/a