VALLEY FIRST
Charter #24986 · Modesto, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.11% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.03% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 54th — a 47-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VALLEY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.11B | 7th pct | 54th pct |
| Members | 80,615 | 28th pct | 64th pct |
| Net worth ratio | 9.68% | 26th pct | 33th pct |
| Return on average assets | 0.63% | 43th pct | 48th pct |
| Net interest margin | 3.77% | 78th pct | 57th pct |
| Cost of funds | 1.45% | 34th pct | 39th pct |
| Loan-to-share | 86.67% | 50th pct | 48th pct |
| Delinquency 60+ days | 0.68% | 55th pct | 48th pct |
| Net charge-off ratio | 1.11% | 88th pct | 84th pct |
| Loan growth YoY | — | — | — |
| Share growth YoY | — | — | — |
| Efficiency ratio | 66.03% | 25th pct | 10th pct |
structural peer set hash: dbe8a874ade1bedfb8fd353e994bd83d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.