| Weiss Ratings |
Valley First Credit Union
Modesto, CA |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 6.90 | |||
| Stability Index | 6.10 | |||
| 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 | 0.35% | |||
| 5-Year Asset Growth | 11.61% | |||
| 5-Year Charge-Offs to Average Loans | 0.49% | |||
| Charge-Offs to Average Loans | 1.58% | |||
| Non-Performing Assets to Assets | 0.75% | |||
| Non-Performing Loans to Capital | 7.26% | |||
| Non-Performing Loans to Loans | 0.94% | |||
| Balance Sheet |
Valley First Credit Union
Modesto, CA |
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| Total Assets | 1.04B | |||
| Total Deposits | 860.47M | |||
| Capital and Reserves |
Valley First Credit Union
Modesto, CA |
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| Capital | 95.72M | |||
| Leverage Ratio | 10.02 | |||
| Loan Loss Reserves to Loans | 1.52% | |||
| Liquidity |
Valley First Credit Union
Modesto, CA |
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| Hot Money Ratio | 18.06% | |||
| Liquidity Ratio | 21.51% | |||
| Profitability |
Valley First Credit Union
Modesto, CA |
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| 5-Year Return on Average Assets | 0.84% | |||
| Net Income | 3.30M | |||
| Net Interest Spread | 4.59% | |||
| Operating Profit to Average Assets | 1.50% | |||
| Overhead Efficiency Ratio | 71.22% | |||
| Return on Assets | 0.63% | |||
| Return on Equity | 7.08% | |||