Valley Financial Credit Union
Total assets
$593.7M
▲ +12.9% YoY
Shares & deposits
$525.5M
▲ +13.8% YoY
Loans
$414.2M
▲ +7.3% YoY
Members
38,943
▲ +3.5% YoY
ROA (annualized)
0.87%
peers 0.62%
ROE (annualized)
8.19%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +4.8% | +8.1 pts |
| Share growth (YoY) | +13.8% | +4.3% | +9.5 pts |
| Loan growth (YoY) | +7.3% | +4.3% | +2.9 pts |
| ROA | 0.87% | 0.62% | +0.2 pts |
| ROE | 8.2% | 5.9% | +2.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 20417, Billings, MT, 59104
- NCUA charter #
- 68689
- RSSD ID
- 868590
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $593.7M | $525.5M | $414.2M | $62.9M | $1.3M | 0.87% | 3.56% | 0.30% | 38,943 |
| Q4 2025 | $573.6M | $506.4M | $410.8M | $61.6M | $3.9M | 0.68% | 3.55% | 0.35% | 38,323 |
| Q3 2025 | $556.8M | $490.6M | $411.1M | $61.2M | $3.3M | 0.79% | 3.60% | 0.31% | 38,396 |
| Q2 2025 | $528.9M | $464.0M | $402.1M | $60.0M | $2.0M | 0.77% | 3.73% | 0.36% | 38,100 |
| Q1 2025 | $526.1M | $461.8M | $386.1M | $59.1M | $1.2M | 0.88% | 3.63% | 0.41% | 37,610 |
| Q4 2024 | $511.1M | $448.5M | $370.8M | $57.9M | $5.1M | 1.00% | 3.55% | 0.37% | 37,311 |
| Q3 2024 | $497.0M | $435.5M | $375.5M | $56.8M | $3.8M | 1.02% | 3.58% | 0.34% | 37,290 |
| Q2 2024 | $471.3M | $409.7M | $363.7M | $55.3M | $2.3M | 0.96% | 3.66% | 0.39% | 37,967 |
Loan mix (Q1 2026): real estate $117.3M · commercial $52.5M · consumer $208.2M · securities $58.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.62% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.48% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 78.3% | 46th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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