Valley Financial
Valley Financial is a credit union based in Billings, Montana, established in 1949, with $594 million in total assets serving 38,943 members. By Trust Grade it ranks 26th of 41 credit unions we track in Montana. Its net worth ratio of 10.6% trails most similarly sized credit unions (40th percentile), versus a Montana median of 11.9%. It was profitable over the most recent period, with a 0.87% return on assets. No consumer complaints against Valley Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Valley Financial compares to Montana peers
How we graded Valley Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.6% capital ratio)
- Profitable (ROA 0.87%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Valley Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Valley Financial insured?
Yes. Valley Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Valley Financial: frequently asked questions
Is Valley Financial a good credit union?
Valley Financial earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (10.6% capital ratio); Profitable (ROA 0.87%).
Is Valley Financial NCUA-insured?
Yes. Valley Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Valley Financial?
Valley Financial holds $594 million in total assets, ranking 26th of 41 credit unions we track in Montana. It serves 38,943 members.
Does Valley Financial have CFPB complaints?
No CFPB complaints against Valley Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
