VALLEY FINANCIAL Credit Union Profile

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VALLEY FINANCIAL

Charter #68689 | NCUA Region 3 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (406) 656-9100

Fax: (406) 655-5085

Founding Date: N/A

Website: http://www.valleyfcu.com

Personnel & Operations

President: Briano, Gabriel

Manager: Klein, Casey

FT Employees: 129

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 11

Hours: Lobby: Monday - Thursday 9:00am-4:00pm Lob

Credit Union Profile Summary

VALLEY FINANCIAL is a FISCU Credit Union. With a total of 38,100 members ^[1], this institution manages approximately $528,861,506 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.33% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 10.55% ^[1].

Financial Snapshot

Total Assets ^[1]

$528,861,506

Total economic resources.

Total Loans ^[1]

$402,095,063

Total value of outstanding loans.

Total Deposits ^[1]

$463,957,237

Total funds deposited by members.

Members ^[1]

38,100

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.33%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.79%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

86.67%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 12.22%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 10.55%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 0.35%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1541 Custer Ave

Billings, MT, 59102

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

King Avenue Branch

Type: Branch Office

3025 King Ave W

Billings, MT 59102

Phone: (406) 656-9100

Services: Member Services, ATM, Drive-Thru

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