| Weiss Ratings |
Valley First Credit Union
Modesto, CA |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 5.80 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 5.40 | |||
| Stability Index | 6.40 | |||
| 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 | 3.47% | |||
| 5-Year Asset Growth | 11.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.41% | |||
| Charge-Offs to Average Loans | 0.98% | |||
| Non-Performing Assets to Assets | 0.63% | |||
| Non-Performing Loans to Capital | 6.89% | |||
| Non-Performing Loans to Loans | 0.76% | |||
| Balance Sheet |
Valley First Credit Union
Modesto, CA |
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| Total Assets | 1.04B | |||
| Total Deposits | 839.34M | |||
| Capital and Reserves |
Valley First Credit Union
Modesto, CA |
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| Capital | 85.83M | |||
| Leverage Ratio | 9.51 | |||
| Loan Loss Reserves to Loans | 1.26% | |||
| Liquidity |
Valley First Credit Union
Modesto, CA |
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| Hot Money Ratio | 14.48% | |||
| Liquidity Ratio | 21.24% | |||
| Profitability |
Valley First Credit Union
Modesto, CA |
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| 5-Year Return on Average Assets | 0.83% | |||
| Net Income | 2.10M | |||
| Net Interest Spread | 3.64% | |||
| Operating Profit to Average Assets | 1.37% | |||
| Overhead Efficiency Ratio | 70.93% | |||
| Return on Assets | 0.82% | |||
| Return on Equity | 9.92% | |||