Civic Intelligence

Valley First Credit Union

990 • Fiscal year 2019 • EIN 94-1439553

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 13, 2020

Organization ProfileWWW.VALLEYFIRSTCU.ORG

View Organization Page

1005 W Orangeburg AvenueModesto, CA 95350

(209) 549-8500

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

51st percentile

0.89x

Higher debt load relative to assets than 51% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

47th percentile

15.98x

Higher debt load relative to revenue than 47% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

17th percentile

7.9%

Higher net margin than 17% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

74th percentile

$557,264

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

9th percentile

0.4%

Faster asset growth than 9% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

54th percentile

10.0%

Faster revenue growth than 54% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$593,162,543

Up $2,311,340 (+0.4%) from 2018

Net Assets

Up

$65,549,621

Up $3,815,319 (+6.2%) from 2018

Liabilities

Down

$527,612,922

Down $1,503,979 (-0.3%) from 2018

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin17th percentile

Revenue

Up

$33,020,774

Up $3,000,939 (+10.0%) from 2018

Expenses

Up

$30,426,409

Up $1,266,494 (+4.3%) from 2018

Net Income

Up

$2,594,365

Up $1,734,445 (+202%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.5B$1.0B$500M$0Assets 2010: $363,955,207Liabilities 2010: $327,507,263Net Assets 2010: $36,447,9442010Assets 2011: $383,014,789Liabilities 2011: $340,159,897Net Assets 2011: $42,854,8922011Assets 2012: $475,294,888Liabilities 2012: $425,090,428Net Assets 2012: $50,204,4602012Assets 2013: $502,650,838Liabilities 2013: $456,035,381Net Assets 2013: $46,615,4572013Assets 2014: $525,370,714Liabilities 2014: $472,616,024Net Assets 2014: $52,754,6902014Assets 2015: $555,484,443Liabilities 2015: $498,451,775Net Assets 2015: $57,032,6682015Assets 2016: $586,820,094Liabilities 2016: $526,673,116Net Assets 2016: $60,146,9782016Assets 2017: $603,790,074Liabilities 2017: $542,900,425Net Assets 2017: $60,889,6492017Assets 2018: $590,851,203Liabilities 2018: $529,116,901Net Assets 2018: $61,734,3022018Assets 2019: $593,162,543Liabilities 2019: $527,612,922Net Assets 2019: $65,549,6212019Assets 2020: $769,456,143Liabilities 2020: $698,024,078Net Assets 2020: $71,432,0652020Assets 2021: $895,204,166Liabilities 2021: $817,121,086Net Assets 2021: $78,083,0802021Assets 2022: $964,187,226Liabilities 2022: $888,224,752Net Assets 2022: $75,962,4742022Assets 2023: $1,019,297,447Liabilities 2023: $935,538,521Net Assets 2023: $83,758,9262023Assets 2024: $1,027,273,852Liabilities 2024: $936,329,209Net Assets 2024: $90,944,6432024

Highlighted filing

2019

Assets$593,162,543
Liabilities$527,612,922
Net Assets$65,549,621
Open 2019 Filing

Operations Trend

Revenue Growth54th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$80M$60M$40M$20M$0Expenses 2010: $20,814,3642010Expenses 2011: $18,718,3042011Expenses 2012: $20,245,8872012Revenue 2013: $26,237,061Expenses 2013: $23,214,316Net Income 2013: $3,022,7452013Revenue 2014: $25,677,722Expenses 2014: $23,231,989Net Income 2014: $2,445,7332014Revenue 2015: $26,671,831Expenses 2015: $23,670,227Net Income 2015: $3,001,6042015Revenue 2016: $27,698,296Expenses 2016: $24,106,054Net Income 2016: $3,592,2422016Revenue 2017: $27,443,653Expenses 2017: $26,161,154Net Income 2017: $1,282,4992017Revenue 2018: $30,019,835Expenses 2018: $29,159,915Net Income 2018: $859,9202018Revenue 2019: $33,020,774Expenses 2019: $30,426,409Net Income 2019: $2,594,3652019Revenue 2020: $34,327,835Expenses 2020: $28,803,577Net Income 2020: $5,524,2582020Revenue 2021: $33,497,583Expenses 2021: $25,343,848Net Income 2021: $8,153,7352021Revenue 2022: $40,105,453Expenses 2022: $30,736,008Net Income 2022: $9,369,4452022Revenue 2023: $57,186,497Expenses 2023: $47,771,769Net Income 2023: $9,414,7282023Revenue 2024: $63,347,544Expenses 2024: $58,535,460Net Income 2024: $4,812,0842024

Highlighted filing

2019

Revenue$33,020,774
Expenses$30,426,409
Net Income$2,594,365
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 13, 2020
Return Version
2019v5.1
Gross Receipts
$33,170,632
Mission and Program Overview

Mission

Valley first credit union is a state chartered credit union that provides low cost financial services to its communities.

Provide superior service to our members and community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$412,265,991$443,131,334▲ $30,865,343
Rtn Earn Endowment Incm Other Fnds$61,734,302$65,549,621▲ $3,815,319
Investments Other Securities$76,404,388$56,108,743▼ $20,295,645
Savings and Temporary Cash Investments$39,598,794$33,871,257▼ $5,727,537
Cash and Non-Interest-Bearing Accounts$11,610,596$14,316,220▲ $2,705,624
Land, Buildings, and Equipment, Net$10,709,842$11,924,654▲ $1,214,812
Accounts Receivable$14,939,856$9,157,649▼ $5,782,207
Prepaid Expenses and Deferred Charges$3,704,432$4,032,705▲ $328,273
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$590,851,203$593,162,543▲ $2,311,340
Other Assets Total$21,617,304$20,619,981▼ $997,323
Liabilities
Other Liabilities$514,751,402$512,000,223▼ $2,751,179
Accounts Payable and Accrued Expenses$14,365,499$15,612,699▲ $1,247,200
Total Liabilities$529,116,901$527,612,922▼ $1,503,979
Net Assets / Fund Balance
Total Net Assets Fund Balance$61,734,302$65,549,621▲ $3,815,319
Total Liabilities and Net Assets / Fund Balance$590,851,203$593,162,543▲ $2,311,340

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,815,422$7,694,701$14,510,123
Equipment$2,042,372$11,506,465$13,548,837
Leasehold Improvements$1,178,478$996,173$2,174,651
Land$1,888,382-$1,888,382
Other Securities$273,045--
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Hank BarrettPresident/CEOFT$274,601$283,729$558,330
Dennis BartaVP FinanceFT$168,640$89,911$258,551
Kathryn DavisPresident/CEOFT$204,162$49,335$253,497
Traci NagasawaVP Member ServiceFT$150,718$87,092$237,810
Anita MorphewVP MarketingFT$133,865$97,803$231,668
Paul EmanuelsVP LendingFT$164,656$54,778$219,434
Catherine RandoVP Information ServicesFT$164,545$38,565$203,110
Juan MarquezDirector of BranchesFT$115,029$17,336$132,365
Melanie BorrasControllerFT$113,998$13,234$127,232
Roberta GaalswykDirector of Lending ServicesFT$113,448$10,306$123,754

Board Members and Trustees

NameTitle
Fred CruzBoard Chair
Judy JensenVice Chair
Matt SinclairDirector
Patrick DoddDirector
Patti GillihanDirector
Tom KaneDirector/treasurer
Gary HallTreasurer/director
Chris PetersonSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Financial Tech Solutions Intl (ftsi)Atm ServicesPO BOX 919, Monrovia, CA 91017$1,361,026
Hanley ConstructionGeneral Contractor939 W CHARTER WAY, Stockton, CA 95206$867,178
Jack Henry And AssociatesComputer SupportPO BOX 609, Monett, MO 65708$574,314
KasasaDeposit Product SupportPO BOX 527, Lubbock, TX 79408$469,914
Q2 SoftwareComputer SupportPO BOX 205970, Dallas, TX 75320$283,748
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,703,799
Investment Income
$2,316,975
Other Revenue
$0
Change in Net Assets
$2,594,365
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,057,590
Salaries, Compensation, and Employee Benefits$12,356,673
Grants and Similar Amounts Paid$10,557
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,709,124
Occupancy---$2,416,462
Office Expenses---$2,231,820
Current Officers, Directors, Trustees, and Key Employees---$1,962,399
Other Employee Benefits---$1,772,507
Fees for Services Other---$1,768,914
Other Expenses---$1,677,085
Information Technology---$1,506,959
Advertising---$1,076,424
Benefits to Members---$1,001,589
Payroll Taxes---$759,918
Depreciation Depletion---$600,596
All Other Expenses---$261,415
Travel---$255,201
Pension Plan Contributions---$152,725
Fees for Services Accounting---$133,232
Insurance---$123,100
Fees for Services Legal---$96,094
Grants to Domestic Orgs---$10,557
Total Functional Expenses$0$0$0$30,426,409
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
United Way of Stanislaus CountyModesto, CA501(c)(3)Support Exempt Mission$10,557
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,000
Total Exempt Function Spending$1,000

Section 527 Organizations

OrganizationLocationAmount
81-4690576Sacramento, CA$1,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$512,000,223
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“The completed form 990 is reviewed by the ceo and controller. A copy will also be provided to the executive members of the board of directors prior to filing with the irs.”

Form 990, Part VI, Section B, Line 12

“An annual review process is completed where the board directors and supervisory committee are required to disclose any potential conflicts of interest and sign the form.”

Form 990, Part VI, Section B, Line 15

“The human resources department and the executive committee view industry data and approve salary adjustments based on that data.”

Form 990, Part VI, Section C, Line 19

“Governing documents, policies, and financial statements are available upon request for the same period of disclosure as set forth in section 6104(d). Monthly financial statements are also published in each branch lobby as required by the ncua.”

Filing and Contact Details

Filer

Filer Name
Valley First Credit Union
EIN
94-1439553
Phone
2095498500
Address
1005 W ORANGEBURG AVENUE, MODESTO, CA 95350

Signing Officer

Name
Melanie Borras
Title
Controller
Phone
2095498500
Signed
2020-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathryn Davis
Formed
1956
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
206
Volunteers
7

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL WEST TOWER STE, 1100, MINNEAPOLIS, MN 55402-2526
Preparer
Kacie Mcewen
Phone
6123324300
Raw XML AppendixShowing 400 of 643 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm7JUAN MARQUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm8MELANIE BORRAS
IRS990/Form990PartVIISectionAGrp/PersonNm9ROBERTA GAALSWYK
IRS990/Form990PartVIISectionAGrp/PersonNm10FRED CRUZ
IRS990/Form990PartVIISectionAGrp/PersonNm11JUDY JENSEN
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRIS PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm13GARY HALL
IRS990/Form990PartVIISectionAGrp/PersonNm14TOM KANE
IRS990/Form990PartVIISectionAGrp/PersonNm15PATRICK DODD
IRS990/Form990PartVIISectionAGrp/PersonNm16PATTI GILLIHAN
IRS990/Form990PartVIISectionAGrp/PersonNm17MATT SINCLAIR
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0519587
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1183971
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2226388
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3186602
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4169058
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5176683
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6177868
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7115029
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8113998
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9113448
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP MEMBER SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP INFORMATION SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR OF BRANCHES
IRS990/Form990PartVIISectionAGrp/TitleTxt8CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR OF LENDING SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt12SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt13TREASURER/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-64278
IRS990/GainOrLossGrp/SecuritiesAmt089502
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt010557
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0175082
IRS990/GrossReceiptsAmt033170632
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01506959
IRS990/InsuranceGrp/TotalAmt0123100
IRS990/InvestmentIncomeGrp/ExclusionAmt02291751
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02291751
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt076404388
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt056108743
IRS990/IRPDocumentCnt07983
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt020197339
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010709842
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011924654
IRS990/LandBldgEquipCostOrOtherBssAmt032121993
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt064278
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt085580
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0VALLEY FIRST CREDIT UNION IS A STATE CHARTERED CREDIT UNION THAT PROVIDES LOW COST FINANCIAL SERVICES TO ITS COMMUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt061734302
IRS990/NetAssetsOrFundBalancesEOYAmt065549621
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt025224
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt025224
IRS990/NetUnrelatedBusTxblIncmAmt0-729794
IRS990/NetUnrlzdGainsLossesInvstAmt01220954
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02416462
IRS990/OfficeExpensesGrp/TotalAmt02231820
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt021617304
IRS990/OtherAssetsTotalGrp/EOYAmt020619981
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01772507
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2BANKING SERVICES
IRS990/OtherExpensesGrp/TotalAmt02506969
IRS990/OtherExpensesGrp/TotalAmt12403319
IRS990/OtherExpensesGrp/TotalAmt21677085
IRS990/OtherLiabilitiesGrp/BOYAmt0514751402
IRS990/OtherLiabilitiesGrp/EOYAmt0512000223
IRS990/OtherSalariesAndWagesGrp/TotalAmt07709124
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0412265991
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0443131334
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0759918
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0152725
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03704432
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04032705
IRS990/PrincipalOfficerNm0KATHRYN DAVIS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt019844124
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14848696
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt24628452
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019844124
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16231223
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24628452
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01382527
IRS990/ProgSrvcAccomActy2Grp/Desc0VALLEY 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 12/31/2019 THE CREDIT UNION HAD 126,882 SAVINGS ACCOUNTS WITH A BALANCE OF $512,000,223.
IRS990/ProgSrvcAccomActy3Grp/Desc0VALLEY 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 12/31/2019 THE CREDIT UNION HAD 37,420 MEMBERS WITH CHECKING ACCOUNTS WITH A DEPOSIT BALANCE OF $93,274,838.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0868514
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01995538
IRS990/PYOtherExpensesAmt016498920
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt028024297
IRS990/PYRevenuesLessExpensesAmt0859920
IRS990/PYSalariesCompEmpBnftPaidAmt011792481
IRS990/PYTotalExpensesAmt029159915
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt030019835
IRS990/ReconcilationRevenueExpnssAmt02594365
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt061734302
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt065549621
IRS990/SavingsAndTempCashInvstGrp/BOYAmt039598794
IRS990/SavingsAndTempCashInvstGrp/EOYAmt033871257
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt01000
IRS990ScheduleC/PoliticalExpendituresAmt01000
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt00
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0814690576
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0STATE SENATOR TONI ATKINS
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt01000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01315 10TH STREET ROOM 205
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0SACRAMENTO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd0958144900
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAKES FINANCIAL CONTRIBUTIONS FOR SPECIFIC CANDIDATES AND THEIR CAMPAIGNS TO SUPPORT CREDIT UNION ISSUES.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt01000
IRS990ScheduleD/BuildingsGrp/BookValueAmt06815422
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07694701
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt014510123
IRS990ScheduleD/EquipmentGrp/BookValueAmt02042372
IRS990ScheduleD/EquipmentGrp/DepreciationAmt011506465
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt013548837
IRS990ScheduleD/LandGrp/BookValueAmt01888382
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01888382
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01178478
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0996173
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02174651
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0512000223
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt055835698
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1273045
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1HTM AGENCY SECURITIES

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$593,162,543
Liabilities
$527,612,922
Net assets
$65,549,621
Revenue
$33,020,774
Expenses
$30,426,409
Net income
$2,594,365
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,027$936$90.9$63.3$58.5$4.81
2023Summary only. Only limited summary data is available for this year.$1,019$936$83.8$57.2$47.8$9.41
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$964$888$76.0$40.1$30.7$9.37
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$895$817$78.1$33.5$25.3$8.15
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$769$698$71.4$34.3$28.8$5.52
2019Detailed filing. Detailed filing data is available for this year.$593$528$65.5$33.0$30.4$2.59
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$591$529$61.7$30.0$29.2$0.86
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$604$543$60.9$27.4$26.2$1.28
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$587$527$60.1$27.7$24.1$3.59
2015Detailed filing. Detailed filing data is available for this year.$555$498$57.0$26.7$23.7$3.00
2014Detailed filing. Detailed filing data is available for this year.$525$473$52.8$25.7$23.2$2.45
2013Detailed filing. Detailed filing data is available for this year.$503$456$46.6$26.2$23.2$3.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$475$425$50.2$20.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$383$340$42.9$18.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$364$328$36.4$20.8