Billings, Montana · Peer group 6
Valley Financial Credit Union
Valley Financial Credit Union holds $593.7M in assets across 38,943 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1949. Charter number 68689, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $593.7M |
|---|---|
| Total loans | $414.2M |
| Total shares (deposits) | $525.5M |
| Net worth | $62.9M |
| Members | 38,943 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 12.9% | |
|---|---|---|
| Loans | 7.3% | around the 68th percentile of its peer group |
| Deposits | 13.8% | higher than 96% of its peer group |
| Members | 3.5% | around the 74th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 78.8% | around the 34th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.6% | around the 50th percentile of its peer group |
| Return on assets | 0.87% | around the 63rd percentile of its peer group |
| Delinquency ratio | 0.30% | around the 18th percentile of its peer group |
| Cash / assets | 14.7% | around the 87th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Valley Financial Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Montana — the comparison set a peer ratio is measured against.
- Altana Credit Union
Billings, MT
$660.2M · 40,056 members
- Rocky Mountain Credit Union
Helena, MT
$424.3M · 25,993 members
- Park Side Financial Credit Union
Whitefish, MT
$389.1M · 30,171 members
- Montana Credit Union
Great Falls, MT
$358.9M · 26,193 members
- Intrepid Credit Union
Helena, MT
$310.5M · 18,704 members
- Billings Credit Union
Billings, MT
$218.0M · 13,027 members
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