| Weiss Ratings |
Valley First Credit Union
Modesto, CA |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 7.00 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 7.20 | |||
| Stability Index | 6.10 | |||
| Company Info |
Valley First Credit Union
Modesto, CA |
Click to Compare |
Click to Compare |
Click to Compare |
| NCUA Charter Number | 2238 | |||
| Phone Number | (209) 549-8500 | |||
| Website | www.valleyfirstcu.org | |||
| Asset Quality |
Valley First Credit Union
Modesto, CA |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 0.73% | |||
| 5-Year Asset Growth | 11.61% | |||
| 5-Year Charge-Offs to Average Loans | 0.49% | |||
| Charge-Offs to Average Loans | 1.45% | |||
| Non-Performing Assets to Assets | 0.62% | |||
| Non-Performing Loans to Capital | 5.84% | |||
| Non-Performing Loans to Loans | 0.81% | |||
| Balance Sheet |
Valley First Credit Union
Modesto, CA |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 1.04B | |||
| Total Deposits | 863.81M | |||
| Capital and Reserves |
Valley First Credit Union
Modesto, CA |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 98.60M | |||
| Leverage Ratio | 10.12 | |||
| Loan Loss Reserves to Loans | 1.55% | |||
| Liquidity |
Valley First Credit Union
Modesto, CA |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 18.55% | |||
| Liquidity Ratio | 19.55% | |||
| Profitability |
Valley First Credit Union
Modesto, CA |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 0.84% | |||
| Net Income | 4.78M | |||
| Net Interest Spread | 4.62% | |||
| Operating Profit to Average Assets | 1.58% | |||
| Overhead Efficiency Ratio | 69.62% | |||
| Return on Assets | 0.61% | |||
| Return on Equity | 6.75% | |||