401k Plan data: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST plan

VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 401k Plan overview

Plan Name	VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST
Plan identification number	002

VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

VALLEY FIRST CREDIT UNION has sponsored the creation of one or more 401k plans.

Company Name: VALLEY FIRST CREDIT UNION

Employer identification number (EIN): 941439553

NAIC Classification: 522130
NAIC Description: Credit Unions

Additional information about VALLEY FIRST CREDIT UNION

Jurisdiction of Incorporation: California Department of State

Incorporation Date:

Company Identification Number: C2162304

More information about VALLEY FIRST CREDIT UNION

Form 5500 Filing Information

Submission information for form 5500 for 401k plan VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2014-01-01 DENNIS BARTA
002 2013-01-01 DENNIS BARTA
002 2012-01-01 DENNIS BARTA
002 2011-01-01 DENNIS BARTA DENNIS BARTA 2012-10-16
002 2010-01-01 DENNIS BARTA 2011-08-08

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
002	2014-01-01	DENNIS BARTA
002	2013-01-01	DENNIS BARTA
002	2012-01-01	DENNIS BARTA
002	2011-01-01	DENNIS BARTA		DENNIS BARTA	2012-10-16
002	2010-01-01	DENNIS BARTA	2011-08-08

Plan Statistics for VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST

401k plan membership statisitcs for VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST

Measure Date Value
2014: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year 2014-01-01 165
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 0
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 0
Total of all active and inactive participants 2014-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 0
Number of participants with account balances 2014-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 6
2013: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year 2013-01-01 156
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 150
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 8
Total of all active and inactive participants 2013-01-01 158
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 158
Number of participants with account balances 2013-01-01 148
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 12
2012: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year 2012-01-01 133
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 129
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 9
Total of all active and inactive participants 2012-01-01 138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 138
Number of participants with account balances 2012-01-01 130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 9
2011: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year 2011-01-01 133
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 117
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 12
Total of all active and inactive participants 2011-01-01 129
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 129
Number of participants with account balances 2011-01-01 118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 17

Measure	Date	Value
2014: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year	2014-01-01	165
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	0
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	0
Total of all active and inactive participants	2014-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	0
Number of participants with account balances	2014-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	6
2013: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year	2013-01-01	156
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	150
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	8
Total of all active and inactive participants	2013-01-01	158
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	158
Number of participants with account balances	2013-01-01	148
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	12
2012: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year	2012-01-01	133
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	129
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	9
Total of all active and inactive participants	2012-01-01	138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	138
Number of participants with account balances	2012-01-01	130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	9
2011: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year	2011-01-01	133
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	117
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	12
Total of all active and inactive participants	2011-01-01	129
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	129
Number of participants with account balances	2011-01-01	118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	17

Financial Data on VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST

Measure	Date	Value
2014 : VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total transfer of assets from this plan	2014-12-31	$6,555,374
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$1,018,480
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$127,420
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$118,927
Expenses. Certain deemed distributions of participant loans	2014-12-31	$2,546
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$673,173
Value of total assets at end of year	2014-12-31	$0
Value of total assets at beginning of year	2014-12-31	$5,664,314
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$5,947
Total interest from all sources	2014-12-31	$12,986
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$22,668
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$22,668
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$384,365
Participant contributions at end of year	2014-12-31	$0
Participant contributions at beginning of year	2014-12-31	$131,884
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$891,060
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$5,664,314
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$5,216,917
Interest on participant loans	2014-12-31	$6,979
Interest earned on other investments	2014-12-31	$6,007
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$315,513
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$302,485
Net investment gain or loss from common/collective trusts	2014-12-31	$7,168
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$288,808
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$118,927
Contract administrator fees	2014-12-31	$5,947
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2014-12-31	Yes
Did the plan have assets held for investment	2014-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	TURNER, WARREN, HWANG & CONRAD
Accountancy firm EIN	2014-12-31	954083485
2013 : VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$1,487,077
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$169,996
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$167,621
Value of total corrective distributions	2013-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$651,984
Value of total assets at end of year	2013-12-31	$5,664,314
Value of total assets at beginning of year	2013-12-31	$4,347,233
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$2,375
Total interest from all sources	2013-12-31	$10,327
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$374,734
Participant contributions at end of year	2013-12-31	$131,884
Participant contributions at beginning of year	2013-12-31	$66,612
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$11,378
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$1,317,081
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$5,664,314
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$4,347,233
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$5,216,917
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$3,993,208
Interest on participant loans	2013-12-31	$4,205
Interest earned on other investments	2013-12-31	$6,122
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$315,513
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$287,413
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$824,766
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$265,872
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$167,621
Contract administrator fees	2013-12-31	$2,375
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	TURNER, WARREN, HWANG & CONRAD
Accountancy firm EIN	2013-12-31	954083485
2012 : VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$948,907
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$180,119
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$178,269
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$545,475
Value of total assets at end of year	2012-12-31	$4,347,233
Value of total assets at beginning of year	2012-12-31	$3,578,445
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$1,850
Total interest from all sources	2012-12-31	$8,903
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$500,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$292,758
Participant contributions at end of year	2012-12-31	$66,612
Participant contributions at beginning of year	2012-12-31	$23,511
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$26,564
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$768,788
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$4,347,233
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$3,578,445
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$3,993,208
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$3,298,151
Interest on participant loans	2012-12-31	$2,518
Interest earned on other investments	2012-12-31	$6,385
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$287,413
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$256,783
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$394,529
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$226,153
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$178,269
Contract administrator fees	2012-12-31	$1,850
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	TURNER, WARREN, HWANG & CONRAD
Accountancy firm EIN	2012-12-31	954083485
2011 : VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$518,891
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$198,965
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$197,390
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$477,430
Value of total assets at end of year	2011-12-31	$3,578,445
Value of total assets at beginning of year	2011-12-31	$3,258,519
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$1,575
Total interest from all sources	2011-12-31	$7,531
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$283,508
Participant contributions at end of year	2011-12-31	$23,511
Participant contributions at beginning of year	2011-12-31	$3,130
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$1,250
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$319,926
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$3,578,445
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$3,258,519
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$3,298,151
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$3,018,540
Interest on participant loans	2011-12-31	$602
Interest earned on other investments	2011-12-31	$6,929
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$256,783
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$236,849
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$33,930
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$192,672
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$197,390
Contract administrator fees	2011-12-31	$1,575
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	TURNER, WARREN, HWANG & CONRAD
Accountancy firm EIN	2011-12-31	954083485

Form 5500 Responses for VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST

2014: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	Yes
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2012: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2011: VALLEY FIRST CREDIT UNION 401(K) PLAN AND TRUST 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes

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Company Name:	VALLEY FIRST CREDIT UNION
Employer identification number (EIN):	941439553
NAIC Classification:	522130
NAIC Description:	Credit Unions

Jurisdiction of Incorporation:	California Department of State
Incorporation Date:
Company Identification Number:	C2162304