| Weiss Ratings |
Valley First Credit Union
Modesto, CA |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 6.40 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 2.80 | |||
| Stability Index | 5.90 | |||
| Company Info |
Valley First Credit Union
Modesto, CA |
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| NCUA Charter Number | 2238 | |||
| Phone Number | (209) 549-8500 | |||
| Website | www.valleyfirstcu.org | |||
| Asset Quality |
Valley First Credit Union
Modesto, CA |
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| 1-Year Asset Growth | 0.51% | |||
| 5-Year Asset Growth | 11.61% | |||
| 5-Year Charge-Offs to Average Loans | 0.49% | |||
| Charge-Offs to Average Loans | 1.69% | |||
| Non-Performing Assets to Assets | 0.67% | |||
| Non-Performing Loans to Capital | 6.82% | |||
| Non-Performing Loans to Loans | 0.93% | |||
| Balance Sheet |
Valley First Credit Union
Modesto, CA |
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| Total Assets | 1.05B | |||
| Total Deposits | 872.34M | |||
| Capital and Reserves |
Valley First Credit Union
Modesto, CA |
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| Capital | 92.86M | |||
| Leverage Ratio | 9.69 | |||
| Loan Loss Reserves to Loans | 1.52% | |||
| Liquidity |
Valley First Credit Union
Modesto, CA |
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| Hot Money Ratio | 17.61% | |||
| Liquidity Ratio | 23.54% | |||
| Profitability |
Valley First Credit Union
Modesto, CA |
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| 5-Year Return on Average Assets | 0.84% | |||
| Net Income | 881.00K | |||
| Net Interest Spread | 4.44% | |||
| Operating Profit to Average Assets | 1.21% | |||
| Overhead Efficiency Ratio | 75.40% | |||
| Return on Assets | 0.34% | |||
| Return on Equity | 3.83% | |||