VALLEY FINANCIAL
State-Chartered • Billings, Montana • Est. 1949
Quick Facts
- Charter Number
- #68689
- Type
- State-Chartered
- Established
- 1949
- Headquarters
- Billings, Montana 59104
- Address
- PO Box 20417
- Branches
- 12
- ATMs
- 9
- Members
- 38,323
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
38,323 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY FINANCIAL |
|---|---|
| Total Assets | $573.6M |
| Members | 38,323 |
| Loans Outstanding | $410.8M |
| Shares & Deposits | $506.4M |
| Net Worth | $61.6M |
| Net Worth Ratio | 10.74% |
| Loan-to-Share Ratio | 81.1% |
| Delinquency Rate | 0.35% |
| Net Income | +$6,361,977 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
12 locations · 9 ATMs
Custer Branch
Main Office1541 Custer Ave
Billings, MT 59102
King Avenue Branch
3025 King Ave W
Billings, MT 59102
Columbus Branch
400 W Pike Ave
Columbus, MT 59019-7190
Heights Branch
1445 Main St
Billings, MT 59105
Downtown Branch
207 N 28th St
Billings, MT 59101
Who Can Join VALLEY FINANCIAL?
Membership Type: Community
Membership eligibility for VALLEY FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact VALLEY FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Montana RankingsFrequently Asked Questions
Yes. VALLEY FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, VALLEY FINANCIAL has 38,323 members and a potential membership field of 931,000 people.
VALLEY FINANCIAL's net worth ratio is 10.74% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.7%, VALLEY FINANCIAL meets this threshold.
VALLEY FINANCIAL operates 12 branch locations and has access to 9 ATMs. The main office is located at 1541 Custer Ave, Billings, MT 59102.
VALLEY FINANCIAL was established in 1949. It is a state-chartered credit union chartered under charter number 68689. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or VALLEY FINANCIAL. All financial data is for informational purposes only.