Comparison · Q2 2026 call reports
Clearwater Federal Credit Union vs Valley Financial Credit Union
Clearwater Federal Credit Union is the larger, with $1.17 billion in assets and 67,843 members, against $601 million and 39,267 for Valley Financial Credit Union (about 1.9 times the assets). Clearwater Federal Credit Union has the higher net worth ratio, 12.83% against 10.68%; Clearwater Federal Credit Union reported the lower new auto loan rate, 6.60% against 7.49%; and Valley Financial Credit Union paid members more on deposits, 1.78% of balances against 1.22%. Figures are from the call reports each filed with NCUA for the quarter ended June 30, 2026.
Charter 11300 · Missoula, MT
Clearwater Federal Credit Union
Federal charter, opened 1956. NCUA peer group: $500 million and up. 11 offices in NCUA's branch file.
Membership is limited to its field of membership; check its eligibility rules on its own website. It holds NCUA's low-income designation.
Charter 68689 · Billings, MT
Valley Financial Credit Union
Montana charter, opened 1949. NCUA peer group: $500 million and up. 12 offices in NCUA's branch file, in 2 states.
Membership is limited to its field of membership; check its eligibility rules on its own website. It holds NCUA's low-income designation.
| Figure | Clearwater Federal Credit Union | Valley Financial Credit Union |
|---|---|---|
| Size | ||
| Total assets | $1.2B45 | $601M9 |
| Members | 67,84345 | 39,26717 |
| Loans outstanding | $843M45 | $465M16 |
| Shares and deposits | $945M42 | $531M10 |
| Net worth | $149M51 | $64.2M11 |
| Branches | 1249 | 1143 |
| Employees | 20246 | 12619 |
| Growth (12 months) | ||
| Asset growth | +5.19%50 | +13.62%92 |
| Member growth | +4.39%76 | +3.06%65 |
| Loan growth | +4.25%44 | +15.55%93 |
| Deposit growth | +5.63%58 | +14.45%93 |
| Capital and reserves | ||
| Net worth ratio | 12.83%78 | 10.68%47 |
| Loss reserves to loans | 1.42%80 | 1.00%53 |
| Loss reserves to late loans | 2.11x76 | 3.99x95 |
| Earnings | ||
| Return on assets | 1.14%74 | 0.86%55 |
| Net interest margin | 3.71%68 | 3.67%65 |
| Dividends paid on deposits | 1.22%15 | 1.78%57 |
| Cost of funds | 1.45%38 | 1.57%47 |
| Efficiency ratio | 73.14%52 | 75.67%41 |
| Operating expense to assets | 3.42%50 | 4.07%21 |
| Non-interest income to assets | 0.97%41 | 1.70%87 |
| Fee income per member | $4186 | $1656 |
| Credit loss expense to loans | 0.17%86 | 0.60%43 |
| Loan quality | ||
| Loans 60+ days late | 0.67%50 | 0.25%91 |
| Net charge-off rate | 0.34%67 | 0.38%64 |
| Loan rates on the call report | ||
| New auto loan rate | 6.60%14 | 7.49%4 |
| Used auto loan rate | 7.13%21 | 7.49%14 |
| Credit card rate | 11.76%65 | 13.49%37 |
| Personal loan rate | 10.68%72 | 12.49%41 |
| First mortgage rate | 6.18%37 | 5.49%71 |
| Home equity rate | 6.90%46 | 7.49%23 |
| Lending | ||
| Loan-to-share ratio | 89.17%60 | 87.50%54 |
| Auto loans, share of loans | 15.87%22 | 46.16%86 |
| Home loans, share of loans | 44.39%47 | 30.14%17 |
| Credit cards, share of loans | 2.74%52 | 1.65%30 |
| Business loans, share of loans | 22.59%81 | 13.03%56 |
| Auto loans outstanding | $134M26 | $214M44 |
| Home loans outstanding | $374M46 | $140M9 |
| Credit card balances | $23.1M49 | $7.7M19 |
| Business loans outstanding | $190M64 | $60.5M35 |
| Private student loans | $2.0M76 | $028 |
| Average loan size | $25K58 | $20K30 |
| Deposits | ||
| Certificates, share of deposits | 19.21%14 | 27.66%48 |
| Core deposits, share of deposits | 75.41%84 | 67.73%57 |
| Deposits over $250,000 | 5.94%21 | 7.12%33 |
| Average deposits per member | $14K37 | $14K32 |
| Liquidity | ||
| Investments to assets | 15.16%65 | 4.66%20 |
| Cash to assets | 8.49%58 | 11.66%78 |
| Borrowings to assets | 6.91%82 | 0.00%19 |
| Operations | ||
| Members per employee | 33944 | 31331 |
| Assets per employee | $5.8M39 | $4.8M16 |
| Members per branch | 5,65439 | 3,5708 |
| Field of membership reached | 6.87%60 | 4.22%45 |
Bold marks the more member-friendly figure where one direction is better (higher capital and earnings, lower late loans, fees and loan rates). Small numbers are each credit union's percentile within its own NCUA peer group (100 is best). Loan rates are what each reported on its call report, not offers. Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or either credit union.
Add more to this comparison Clearwater Federal Credit Union Valley Financial Credit Union
Questions people ask
Which is bigger, Clearwater Federal Credit Union or Valley Financial Credit Union?
Clearwater Federal Credit Union, with $1.17 billion in assets and 67,843 members at June 30, 2026, against $601 million and 39,267 for Valley Financial Credit Union, according to their NCUA call reports.
Which has lower auto loan rates, Clearwater Federal Credit Union or Valley Financial Credit Union?
Clearwater Federal Credit Union reported the lower new auto loan rate on its Q2 2026 call report: 6.60%, against 7.49% for Valley Financial Credit Union. Used auto: Clearwater Federal Credit Union 7.13%, Valley Financial Credit Union 7.49%. These are reported rates, not offers.
Are Clearwater Federal Credit Union and Valley Financial Credit Union federally insured?
Clearwater Federal Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category. Valley Financial Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category.