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Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
79th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Not on file
Call-report figures are for VALLEY FIRST, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | VALLEY FIRST's published fee schedule; Bank Fee Index medians | Current schedule | Not recorded |
Fee income by quarter
Q1 2026 to Q2 2026, standalone quarters
Fee income was 9.5% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (79th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Call reports for VALLEY FIRST (credit union). Income lines are standalone quarters.
Fee income
Q1 2026 to Q2 2026, standalone quarters · 2 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.6M | −$85K | −4.9% |
| Q1 2026 | $1.7M |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, VALLEY FIRST left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to VALLEY FIRST by share.
Where VALLEY FIRST operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Modesto, CA | 3 |
| Ceres, CA | 1 |
| Clovis, CA | 1 |
| Fresno, CA | 1 |
| Oakdale, CA | 1 |
| Tracy, CA | 1 |
| Turlock, CA | 1 |
Largest competitors nearby
Local market: Stanislaus county, CA, around its headquarters.
| 22 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 17.1% |
| JPMorgan Chase Bank, National Association | 16.2% |
| Bank of America, National Association | 15.7% |
| BMO Bank National Association | 9.4% |
| Farmers & Merchants Bank of Central California | 9.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows