--- title: Valley First Credit Union url: https://lender.report/lender/valley-first-credit-union-ca/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: null, rssd: 617882, ncua: 24986, lei: null} --- # Valley First Credit Union > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Valley First Credit Union, https://lender.report/lender/valley-first-credit-union-ca/, data as of June 30, 2026. Credit union, Modesto, CA. Regulator: National Credit Union Administration. Identifiers: NCUA charter 24986; RSSD 617882. ## Facts, each with its source and date - Reported $1.1B in total assets as of June 30, 2026 (NCUA 5300). - Held $116.7M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300). - Held $61.6M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300). - Held $26.6M of multifamily loans as of June 30, 2026 (NCUA 5300). - Held $17M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300). - Recorded 10 SBA 7(a) approvals totaling $3M from October 1, 2023 to September 30, 2026 (SBA). - Originated 29 real-estate-secured commercial loans totaling $37.2M in the first half of 2026 (NCUA 5300). - Estimated member business loan cap of about $135.7M (estimate, lesser of 1.75 times net worth or 12.25% of assets, June 30, 2026 NCUA 5300). - Bought $7.4M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300). - Held $33.9M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300). - Listed 9 offices in 1 state (NCUA). - Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026). ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $26.6M | 3.2% | not reported | | Construction and land development | $91.8K | 0.01% | not reported | | Owner-occupied CRE | $17.0M | 2.04% | not reported | | Non-owner-occupied CRE | $61.6M | 7.42% | not reported | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $11.4M | 1.37% | not reported | | Other real-estate-secured commercial, chiefly business-purpose 1-4 family | $0 | 0% | not reported | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 10 | $2.97M | SBA FOIA | Credit union filing, first half of 2026: bought $7.38M of commercial participations; holds $33.9M. ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | Feb 2026 | California | SBA 7(a), General Freight Trucking, Local | $760K | 8.75% | 120 | SBA FOIA | | Jul 2025 | California | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $120K | 9.5% | 120 | SBA FOIA | | Feb 2025 | California | SBA 7(a), Fitness and Recreational Sports Centers | $270K | 9% | 120 | SBA FOIA | | Sep 2024 | California | SBA 7(a), Limited-Service Restaurants | $750K | 9.5% | 288 | SBA FOIA | | Apr 2024 | California | SBA 7(a), Beauty Salons | $62.0K | 9% | 84 | SBA FOIA | | Feb 2024 | California | SBA 7(a), Mortgage and Nonmortgage Loan Brokers | $450K | 9.5% | 300 | SBA FOIA | | Feb 2024 | California | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $280K | 9.75% | 312 | SBA FOIA | | Jan 2024 | California | SBA 7(a), Window Treatment Retailers | $85.0K | 10% | 120 | SBA FOIA | | Jan 2024 | California | SBA 7(a), Toy and Hobby Goods and Supplies Merchant Wholesalers | $30.0K | 10% | 120 | SBA FOIA | | Oct 2023 | California | SBA 7(a), Book Retailers and News Dealers | $150K | 9.5% | 120 | SBA FOIA | ## Where it lends 9 offices in 1 states (June 30, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $16.3M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 75.01% | Total loans divided by total assets | | Loans to deposits | 89.74% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: http://www.valleyfirstcu.org (from the regulator record or the lender's own site) - Phone: (209) 549-8500 - Regulator record: https://mapping.ncua.gov/singlecreditunion/Details/24986 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/valley-first-credit-union-ca/ License: https://lender.report/license/