1ST VALLEY CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.1stvalleycu.com for more information.
Sep, 30, 2025 — 1ST VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in SAN BERNARDINO, CA with 1 branch location and about $51.13 million in total assets. Opened 75 years ago in 1951, 1ST VALLEY CREDIT UNION has about 2,579 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | 1ST VALLEY CREDIT UNION |
|---|---|
| Address: (Main Office) | 401 W 2ND ST SAN BERNARDINO, CA 92401-1525 |
| Phone: | (909) 889-0838 |
| Fax: | (909) 889-7973 |
| Website: | https://www.1stvalleycu.com |
| Branches: | 1 branch locations |
| Members: | 2,579 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68027 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1951 |
| Last Audited: | Sep 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $51,128,925 |
| CEO/Manager: | Teresa Martinez |
| Chairperson: | Craig Scott |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,998,016 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,677,114 |
| Unsecured Loans | 2,672,803 |
| Other Loans | 6,986,294 |
| TOTAL LOANS | 15,336,211 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -35,414 |
| Land And Building | 595,042 |
| Other Fixed Assets | 160,209 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 456,400 |
| All Other Assets | 0 |
| TOTAL ASSETS | 51,128,925 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 623,134 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 12,213,330 |
| Regular shares | 35,014,084 |
| All Other Shares & Deposits | 3,067,558 |
| TOTAL SHARES & DEPOSITS | 50,294,972 |
| TOTAL LIABILITIES | 50,918,106 |
| Regular Reserve | 0 |
| Other Reserves | -4,010,724 |
| Undivided Earnings | 4,221,543 |
| TOTAL EQUITY | 210,819 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 51,128,925 |
| INCOME & EXPENSE | |
| Loan Income | 495,971 |
| Investment Income | 355,430 |
| Other Income | 180,461 |
| Total Employee Compensation & Benefits | 524,145 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 579,084 |
| Non-operating Income & (Expense) | -5,838 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 9,000 |
| Cost of Funds | 59,858 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -47,111 |
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