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Valley Financial
Billings, MT · NCUA Charter #68689 · State charter, federally insured · Chartered 1949
Total assets
$600.90M
Shares & deposits
$531.02M
Total loans
$464.62M
Members
39,267
Net worth
$64.15M
Branches
12
Rank: #689 of 4,299 U.S. credit unions by assets · #4 of 41 in Montana. Assets changed 13.6% and membership 3.1% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 10.68% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.15% |
| Loans to shares & deposits | 87.5% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $422.42M | $373.91M | $0 | $45.60M |
| Jun 2023 | $420.42M | $366.44M | $0 | $50.40M |
| Jun 2024 | $471.28M | $409.75M | $0 | $55.26M |
| Jun 2025 | $528.86M | $463.96M | $0 | $59.96M |
| Jun 2026 | $600.90M | $531.02M | $0 | $64.15M |
Branch footprint
| State | Branches |
|---|---|
| Montana | 11 |
| Wyoming | 1 |
Similar-sized credit unions
Union Square ($601.30M) · Dupage ($600.22M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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