Valley Financial

Billings, MT · 2 · Charter #68689 · www.valleyfcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$573.6M
66th percentile
Members
38,323
72th percentile
Total loans
$410.8M
69th percentile
Total shares
$506.1M
67th percentile

Profitability

Return on assets
1.11%
60th percentile
Net interest margin
3.55%
58th percentile
Efficiency ratio
60.52%
43th percentile
Non-interest income ratio
23.59%
75th percentile

Capital & Risk

Net worth ratio
10.74%
48th percentile
Delinquency rate
0.35%
83th percentile
Net charge-off rate
0.47%
44th percentile
Loan-to-share
81.17%
53th percentile

Growth

Member growth YoY
2.71%
74th percentile
Asset growth YoY
12.22%
92th percentile
Loan growth YoY
10.80%
84th percentile
Share growth YoY
12.92%
94th percentile

Operations

Members / branch
3,484
25th percentile
Assets / member
$14,967
39th percentile
Field of membership penetration
4.12%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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