VALLEY FINANCIAL
State-Chartered • Billings, Montana • Est. 1949
Quick Facts
- Charter Number
- #68689
- Type
- State-Chartered
- Established
- 1949
- Headquarters
- Billings, Montana 59102
- Address
- 1541 Custer Ave
- Branches
- 12
- ATMs
- 10
- Members
- 38,943
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
38,943 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VALLEY FINANCIAL |
|---|---|
| Total Assets | $593.7M |
| Members | 38,943 |
| Loans Outstanding | $414.2M |
| Shares & Deposits | $525.5M |
| Net Worth | $62.9M |
| Net Worth Ratio | 10.60% |
| Loan-to-Share Ratio | 78.8% |
| Delinquency Rate | 0.30% |
| Net Income | +$1,287,970 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
12 locations · 10 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.
Find More Credit Unions in Montana
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Montana RankingsFrequently Asked Questions
VALLEY FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, VALLEY FINANCIAL has 38,943 members and a potential membership field of 931,000 people.
VALLEY FINANCIAL's reported net worth ratio is 10.60% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
VALLEY FINANCIAL operates 12 branch locations and has access to 10 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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or VALLEY FINANCIAL. All financial data is for informational purposes only.