EIN 94-1439553

Valley First Credit Union

IRS 501(c) type
Num. employees
Year formed
Most recent tax filings
Valley First Credit Union is a state chartered Credit Union that provides low cost financial services to its communities. Non-profit, state chartered, natural person Credit Union. Provide superior service to our members and community.
Related structure
Valley First Credit Union is child organization, under the parent exemption from Credit Unions in the State of California.
Also known as...
Credit Unions in the State of California
Total revenues
Total expenses
Total assets
Num. employees

Program areas at Valley First Credit Union

As a state chartered Credit Union, Valley First provides loans to members at reduced interest rates as compared to competitors. In general, the Credit criteria is less stringent, loan rates are lower, and a higher level of loan coverage is provided. At 12/31/2018 the Credit Union had $414,776,249 in outstanding loan balances and 79,895 total members.
Valley First provides checking account products that are of greater benefit to members, as compared to its competitors. Several types of checking accounts are offered, from free checking to specialty checking accounts that pay members dividends for balances kept in their account. Again the fee for a checking account and the dividend rates for comparable checking products are better than competitors. At 12/31/2018 the Credit Union had 38,340 members with checking accounts with a deposit balance of $103,244,170.
Valley First provides savings account products that are of greater benefit to members as compared to competitors. Valley First pays higher dividend rates for comparable savings products. At 12/31/2018 the Credit Union had 84,460 savings accounts with a balance of $273,721,837.

Personnel at Valley First Credit Union

Kathryn DavisPresident and Chief Executive Officer
Todd McCoyChief Financial Officer
Chris HewittVice President of Operations and Digital Strategy
Dennis BartaVice President Finance$175,249
Byron MillerVice President of Technology
...and 13 more key personnel

Financials for Valley First Credit Union

RevenuesFYE 12/2019
Total grants, contributions, etc.$0
Program services$30,703,799
Investment income and dividends$2,291,751
Tax-exempt bond proceeds$0
Royalty revenue$0
Net rental income$0
Net gain from sale of non-inventory assets$25,224
Net income from fundraising events$0
Net income from gaming activities$0
Net income from sales of inventory$0
Miscellaneous revenues$0
Total revenues$33,020,774

Form 990s for Valley First Credit Union

Fiscal year endingDate received by IRSFormPDF link
2018-122020-01-28990View PDF
2017-122019-02-21990View PDF
2016-122017-12-01990OView PDF
2015-122016-12-30990OView PDF
2014-122015-09-15990OView PDF
...and 5 more Form 990s
Data update history
July 28, 2022
Updated personnel
Identified 5 new personnel
April 29, 2021
Posted financials
Added Form 990 for fiscal year 2018
November 28, 2020
Used new vendors
Identified 13 new vendors, including , , , , , , , , , , , , and
September 1, 2020
Updated personnel
Identified 9 new personnel
March 5, 2020
Used new vendors
Identified 3 new vendors, including , , and
Nonprofit Types
Credit unionsChapter / child organizations
No issues found
State / local level
General information
1005 W Orangeburg Ave
Modesto, CA 95350
Metro area
Modesto, CA
Stanislaus County, CA
Website URL
(209) 549-8500
Facebook page
IRS details
Fiscal year end
Taxreturn type
Form 990
Year formed
Eligible to receive tax-deductible contributions (Pub 78)
NTEE code, primary
W60: Financial Institutions, Credit Unions
NAICS code, primary
522130: Credit Unions
Parent/child status
Child within group exemption
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