Valley First
Modesto, CA · Charter 68402 · Peer group: credit unions $1B-$10B in assets (n=428)
NCUA · 9 branches
Q4 2025
$1.1BAssets
$776.4MLoans
$885.2MShares
$105.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 76% of credit unions $1B-$10B in assets (rank 103 of 428).
- Widest gap: nonperforming loans / loans trails 71% of credit unions $1B-$10B in assets (rank 305 of 428).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.54%
Rank 292 of 428
Net Interest Margin
3.61%
Rank 103 of 428
Efficiency Ratio
70.75%
Rank 186 of 428
Equity / Assets
9.92%
Rank 295 of 428
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.47% | 0.71% | 1.00% | Beats 32% | 292 / 428 | |
| Return on Equity | 5.46% | 4.35% | 6.65% | 8.96% | Beats 36% | 272 / 428 | |
| Net Interest Margin | 3.61% | 2.83% | 3.23% | 3.60% | Beats 76% | 103 / 428 | |
| Efficiency Ratio | 70.75% | 65.54% | 72.60% | 78.49% | Beats 57% | 186 / 428 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.46% | 0.75% | 1.06% | Beats 29% | 305 / 428 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.92% | 9.74% | 10.76% | 12.36% | Beats 31% | 295 / 428 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.92% | 9.74% | 10.76% | 12.36% | Beats 31% | 295 / 428 | |
| Liquidity & Funding |
| Loans / Deposits | 87.71% | 77.85% | 88.44% | 95.44% | 48th pctl | 221 / 428 | |
| Loans / Assets | 72.98% | 67.70% | 74.57% | 80.54% | 43rd pctl | 243 / 428 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |