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Overview / Commentary
401 W 2nd St
San Bernardino, CA 92401

1St Valley Credit Union is headquartered in San Bernardino and is the 237th largest credit union in the state of California. It is also the 2,774th largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 6 employees and 3,533 members. 1St Valley Credit Union has a B health rating.

Field of Membership Restrictions

You can start taking advantage of our great rates and exceptional service if you live, regularly work, or worship, in the County of San Bernardino, or if you work for one of our Member Employer Groups. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. 1St Valley Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 1St Valley Credit Union had $15,000 in non-current loans and owned real-estate with $2.9 million in equity and loan loss allowances on hand to cover it. This gives 1St Valley Credit Union a Texas Ratio of 0.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for 1St Valley Credit Union decreased dramatically from 3.24% as of March 31, 2013 to 0.52% as of March 31, 2014, resulting in a positive change of 84.04%.This indicates that the balance sheet and financial strength for 1St Valley Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, 1St Valley Credit Union has increased its total deposits by $644,000, resulting in 2.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1St Valley Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1St Valley Credit Union has $34.88 million in assets with $2.9 million in equity, resulting in a capitalization level of 8.32%, which is average.

Institution Statistics

NCUA #68027
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$34.88 million
Loans$10.79 million
Deposits$31.82 million
Equity Capital$2.77 million
Loan Loss Allowance$131,000
Unbacked Noncurrent Loans$15,000
Real Estate Owned$0
Historic Data - March 2013
Assets$35.49 million
Equity Capital$3.84 million
Loan Loss Allowance$232,000
Unbacked Noncurrent Loans$15,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.31%
Return on Equity-3.9%
Interest Income$237,000
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1St Valley Credit Union Savings Account Rates

0.50%--Youth Account
0.40%$70k-Prime Savings
0.30%$70k-Christmas Club

1St Valley Credit Union Checking Account Rates

0.30%$70k-Premium Checking
0.30%$70k-Heritage Checking

1St Valley Credit Union CD Rates

1.11%$100k-36 Month Jumbo CD
1.06%$10k-36 Month Share CD
1.02%$2k-36 Month Small Saver
0.81%$100k-24 Month Jumbo CD
0.76%$10k-24 Month Share CD
0.71%$2k-24 Month Small Saver
0.55%$100k-12 Month Jumbo CD
0.50%$10k-12 Month Share CD
0.45%$2k-12 Month Small Saver
0.45%$100k-6 Month Jumbo CD
0.40%$4k$20k36 Month Flex CD
0.40%$10k-6 Month Share CD
0.35%$2k-6 Month Small Saver
0.20%$4k$20k24 Month Flex CD
0.10%$4k$20k6 Month Flex CD
0.10%$4k$20k12 Month Flex CD

1St Valley Credit Union IRA Rates

1.11%$2k-36 Month IRA
0.81%$2k-24 Month IRA
0.76%$50-18 Month Variable IRA
0.55%$2k-12 Month IRA
0.45%$2k-6 Month IRA

1St Valley Credit Union Locations
Branch Office401 W 2nd StSan Bernardino, CA 924011525