Charter 68689 · Billings, MT
Valley Financial Credit Union
Valley Financial Credit Union is a state-chartered credit union in Billings, Montana, with $601 million in assets and 39,267 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.68%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Valley Credit Union.
- Total assets
- $601 million
- +13.6% in a year
- Members
- 39,267
- +3.1% in a year
- Net worth ratio
- 10.68%
- Peer median 10.79%
- Loans 60+ days late
- 0.25%
- Peer median 0.67%
- Loans outstanding
- $465 million
- +15.6% in a year
- Shares and deposits
- $531 million
- +14.5% in a year
- Branches
- 11
- 126 employees
- Opened
- 1949
- Montana charter
How Valley Financial Credit Union compares
NCUA groups credit unions by size; Valley Financial Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.68% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.25%, is lower than the group median of 0.67%. Loans grew 15.6% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 4 of 41 credit unions headquartered in Montana. See all Montana credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $601 million | 39,267 | $465 million | 10.68% | 0.25% |
| Q1 2026 | $594 million | 38,943 | $414 million | 10.60% | 0.30% |
| Q4 2025 | $574 million | 38,323 | $411 million | 10.74% | 0.35% |
| Q3 2025 | $557 million | 38,396 | $411 million | 10.99% | 0.31% |
| Q2 2025 | $529 million | 38,100 | $402 million | 11.33% | 0.36% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 931,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for Valley Financial Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Custer Branch (main office)
1541 Custer Ave, Billings, MT 59102 - King Avenue Branch
3025 King Ave W, Billings, MT 59102 - Columbus Branch
400 W Pike Ave, Columbus, MT 59019 - Heights Branch
1445 Main St, Billings, MT 59105 - Downtown Branch
207 N 28Th St, Billings, MT 59101 - Roundup Branch
216 8Th Ave E, Roundup, MT 59072 - Cody Branch
1902 Cougar Ave, Cody, WY 82414 - Grand Ave Branch
2955 Grand Ave, Billings, MT 59102 - Bozeman Branch
1707 Oak St Ste A, Bozeman, MT 59715 - Downtown Administration
207 N 28Th St, Billings, MT 59101 - Second Avenue Branch
3100 2Nd Ave N, Billings, MT 59101 - Miles City Branch
2503 Main St, Miles City, MT 59301
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology