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Valley First Credit Union at a glance

· Public charity

Valley First Credit Union

Working together to provide superior service for our members and community

$164k
Granted FY2024still arriving
6
Grants FY2024still arriving
1
States reached
$30k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2019 to 2024.

Arts & Culture$192kPhilanthropy$61kEmployment$60kCommunity Improvement$37kReligion$34kEducation$32kRecreation & Sports$5k
02FY2024 · 6 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 6 grants below total $91,857, the rows itemized in this filing. The $163,667 headline is the total grant expense on the return; the other $71,810 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2024

  • Under $10k2 grants · $15k
  • $10k–50k4 grants · $76k
$16,000
Median grant
1
States reached
$1.0B
Total assets
Largest grants
RecipientAmount
MODESTO CHILDRENS MUSEUM$30,167
STANISLAUS BUSINESS ALLIANCE$18,517
CITY MINISTRY NETWORK$16,000
STATE THEATER OF MODESTO INC$11,750
STANISLAUS LATINO CHAMBER OF COMMERCE$9,000
UNITED WAY OF STANISLAUS COUNTY$6,423
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Dollar for dollar, its grants (FY19–24) land where the poverty rate runs at 15%, against an area that typically sits at 11%. 100% of its dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%TRACY CITY CENTER ASSOCIATION: $15k → 12%OPPORTUNITY STANISLAUS: $35k → 15%STANISLAUS COMMUNITY FOUNDATION: $10k → 15%UNITED WAY OF STANISLAUS CO: $5k → 15%MODESTO CHILDRENS MUSEUM: $100k → 15%MODESTO CHILDRENS MUSEUM: $50k → 15%MODESTO CHILDRENS MUSEUM: $30k → 15%OPPORTUNITY STANISLAUS: $25k → 15%STANISLAUS BUSINESS ALLIANCE: $19k → 15%CITY MINISTRY NETWORK: $18k → 15%CITY MINISTRY NETWORK: $16k → 15%STANISLAUS BUSINESS ALLIANCE INC: $13k → 15%STATE THEATER OF MODESTO INC: $12k → 15%UNITED WAY OF STANISLAUS COUNTY: $11k → 15%UNITED WAY OF STANISLAUS COUNTY INC: $9k → 15%STANISLAUS LATINO CHAMBER OF COMMERCE: $9k → 15%UNITED WAY OF STANISLAUS COUNTY INC: $8k → 15%STANISLAUS COMMUNITY FOUNDATION: $6k → 15%DOWNTOWN MODESTO PARTNERSHIP: $5k → 15%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

87%of every dollar goes to organizations it has funded before.
$350k · 4 repeat orgs$54k to everyone else

Grantees it renews have grown median revenue +61% since the first grant, against +16% for those funded once.

4 repeat relationships: 4 still active in FY2024, 0 since wound down; 2 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

4
4

Total granted

$350k
$33k

Median revenue growth · since first grant

+61%
+16%

Still filing today

100%
75%

New vs renewed · share of each year

In FY2024, 77% of grant dollars renewed an existing relationship; $21k went to new ones.

50%100%’19’20’21’22’23’24
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’19’20’21’22’23’24
Arts & CultureCommunity ImprovementEducationPhilanthropyReligionFood & NutritionOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • MC
    MODESTO CHILDREN'S MUSEUM
    3× · 2021–2024 · $180k · revenue +101%
  • SB
    STANISLAUS BUSINESS ALLIANCE INC
    4× · 2021–2024 · $91k · revenue +42%
  • CM
    City Ministry Network
    2× · 2023–2024 · $34k · revenue +61%

Funded once

  • TC
    TRACY CITY CENTER ASSOCIATION
    one grant, 2023 · $15k · revenue +16%
  • SL
    STANISLAUS LATINO CHAMBER OF COMMERCE
    one grant, 2023 · $8k
  • CR
    Clovis Rodeo Association Foundation
    one grant, 2023 · $5k · revenue -70%
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Downtown Chico Business Association

Promote interest and trade and beautify the downtown business environment.

Community Improvement
2
Vallejo Chamber of Commerce

The purpose is to promote a healthy business environment in the city of Vallejo.

—
3
Tulare County Workforce Investment Board Incorporated

Commitment to the prosperity of tulare county by shaping and steering the workforce development system.

Public Benefit
4
Lodi District Chamber of Commerce

Promote the city of lodi including the businesses, industries and residents of northern san joaquin county.

—
5
San Joaquin Partnership Inc

The organization's purpose is to promote san joaquin county and facilitate the creation of jobs within the county through its activities.

—
6
Visalia Chamber of Commerce

To stimulate economic and community development programs in the san joaquin valley.

Community Improvement
7
Modesto Symphony Orchestra Association

To serve as a professional organization that constantly strives to provide the highest standards in musical performances to attract the broadest audience from the region.

Arts & Culture
8
Sacramento Area Bicycle Advocates

To improve the quality of life in the Sacramento region by enabling people in all communities to make more and safer trips by bicycle.

Philanthropy
9
Central Valley Business Federation

To strengthen the voice of business in Californias Central Valley through information sharing expertise networking connections and research to impact economic policies programs and projects.

Community Improvement
10
The Economic Development Alliance for Brazoria County

To promote and diversify the economic base, attract high-wage jobs in target industries to Brazoria County and support and champion the interests of existing businesses.

—
11
Central California Art League Inc Dba Stanislaus Arts Council

The Stanislaus Arts Council supports, promotes, and advocates for artists, and creative endeavors of all forms that provide essential cultural opportunities for our community in Stanislaus County

Arts & Culture
12
Santa Barbara South Coast Chamber of Commerce

The mission of the santa barbara south coast chamber of commerce is to create a strong local economy, promote the community, provide business resources and networking opportunities and represent business to the government.

—
How this is measured
The grantee most central to the portfolio’s shape is Stanislaus Community Foundation; the most unlike its peers is City Ministry Network. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

9 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 9 of the 11 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
3
Early backer (in before they grew)
9/9
Grantees still filing
7/9
Grew since first funded

Where the money sits, by cause and then by grantee

MODESTO CHILDREN'S MUSEUM: $180,167 · Arts & CultureMODESTO CHILDREN'S MUSEUMSTATE THEATRE OF MODESTO INC: $11,750 · Arts & CultureSTATE THEATRE OF MODESTO INCSTANISLAUS BUSINESS ALLIANCE INC: $91,433 · EducationSTANISLAUS BUSINESS ALLI…United Way of Stanislaus County: $45,270 · PhilanthropyUnited Way of St…Stanislaus Community Foundation: $16,000 · PhilanthropyStanislaus Commu…City Ministry Network: $33,500 · ReligionCity Mini…TRACY CITY CENTER ASSOCIATION: $15,000 · Community ImprovementModesto Improvement Partnership Inc dba Downtown Modesto Partnership: $5,000 · Community ImprovementSTANISLAUS LATINO CHAMBER OF COMMERCE: $9,000 · OtherSTANISLAUS LATINO CHAMBER OF COMMERCE: $8,000 · OtherClovis Rodeo Association Foundation: $5,200 · Food & Nutrition
Arts & Culture$191,917Education$91,433Philanthropy$61,270Religion$33,500Community Improvement$20,000Other$17,000Food & Nutrition$5,200

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$1.0M$10Mgrantee revenue →↑ funder's share of their budgetMODESTO CHILDREN'S MUSEUM: $180,167 over 3y, 13% of budgetSTANISLAUS BUSINESS ALLIANCE INC: $91,433 over 4y, 0.9% of budgetUnited Way of Stanislaus County: $45,270 over 6y, 0.7% of budgetCity Ministry Network: $33,500 over 2y, 2.5% of budgetStanislaus Community Foundation: $16,000 over 2y, 0.1% of budgetTRACY CITY CENTER ASSOCIATION: $15,000 over 1y, 3.2% of budgetSTATE THEATRE OF MODESTO INC: $11,750 over 1y, 0.7% of budgetClovis Rodeo Association Foundation: $5,200 over 1y, 0.4% of budgetModesto Improvement Partnership Inc dba Downtown Modesto Partnership: $5,000 over 1y, 0.5% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Stanislaus Community …Sutter Valley Hospita…Amazonsmile Foundation
Stanislaus Community FoundationCA13.5× affinity4 shared granteesties to 2 of 2Hover any node to trace its alignments.Compare side by side →

Open a dossier: Stanislaus Community Foundation · Sutter Valley Hospitals · Amazonsmile Foundation

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Valley First Credit Union funds: left to right is the share of its income from government, bottom to top the share from Valley First Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%1%4%8%15%funder's share of their income ↑0%10%20%30%40%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    1report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–40%
    typical government reliance, FY20–25
    How this is measured
    Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

    On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 11 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

    How this is measured
    Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

    Generated from the IRS Form 990 e-file return for fiscal year 2024, released 2024. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

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    More from the funding graph

    The unnamed billions
    grants reported with no recipient in the public record
    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The endowment market
    who holds foundation money, and what just moved
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home