CU Explorer
Credit unions · California · Q2 2026

Valley First Credit Union

Credit union in Modesto, CA · NCUA charter #24986 · Federal charter

Legal name: Valley First

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$1.11B
Total loans & leases$831M
Total shares & deposits$926M
Members80,980
Net worth$109M
Net worth / assets9.81%
Loans / assets75.01%
Return on assets (annualized)0.57%
Loan growth (YoY)–
Member growth (YoY)–
Delinquency, all loans (60+ days)0.71%
CharterFederal charter
Asset band$1B–$5B
NCUA peer groupover $500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech lead generation (members), fintech lead generation (shares), online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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