State credit union · Billings, Montana · NCUA charter #68689
Valley Financial
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $573.6M
- Total assets
- 38,323
- Members
- 10.3%
- Net-worth ratio
Valley Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68689: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Valley Financial - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth82
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.34% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 0.89% | 15% |
| Member Growth | 2.71% | 15% |
| Loan-to-Share Ratio | 81.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $573.6M | 38,323 |
| 2024Q4 | $511.1M | 37,311 |
| 2023Q4 | $442.3M | 37,565 |
Credit Union Details
- Charter Number
- 68689
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Montana
- City
- Billings
- Data Quarter
- 2025Q4
What This Data Says About Valley Financial
The five-factor composite scores Valley Financial at 97/100 (Excellent), reflecting a net worth ratio of 10.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Billings, Montana, reports 38,323 members, $573.6M in total assets, and $410.8M in outstanding loans as of Q4 2025 under charter #68689 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 0.35% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 81.13% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.89% on net income of $5.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.71%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Montana
A look at other Montana credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Valley Financial financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - Valley Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.34% net worth ratio and 0.35% delinquency rate are the key drivers.
How does Valley Financial compare to other credit unions?
Valley Financial scores 97/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Valley Financial?
Membership eligibility for Valley Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Valley Financial directly for current membership requirements and application steps.
Is my money safe at Valley Financial?
Federal credit unions like Valley Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Valley Financial's net worth ratio of 10.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley Financial offer compared to banks?
Credit unions like Valley Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Valley Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.