credit union · NCUA 68689 · MT
How big is VALLEY FINANCIAL CREDIT UNION?
VALLEY FINANCIAL CREDIT UNION (MT, NCUA charter 68689) reported total assets of $600.9M, 39,267 members and a net worth ratio of 10.68% in its Call Report for 2026Q2. That ranks 689 of 4,299 federally insured credit unions by assets, 210 of 280 among credit unions with $500m-$1b in assets, 4 of 41 credit unions in montana.
What stands out
VALLEY FINANCIAL CREDIT UNION (MT, NCUA charter 68689) reported total assets of $600.9M, 39,267 members and a net worth ratio of 10.68% in its Call Report for 2026Q2. That ranks 689 of 4,299 federally insured credit unions by assets, 210 of 280 among credit unions with $500m-$1b in assets, 4 of 41 credit unions in montana. Against its size class: net worth ratio 10.68%, above the peer median of 10.59%; loan-to-share ratio 87.50%, above the peer median of 83.51%; return on assets 0.84%, above the peer median of 0.75%. At 10.68% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $600.9M | $714.8M | $52.6M | $68.3M | record → |
| Shares and deposits | $531.0M | $614.6M | $45.2M | $58.3M | record → |
| Loans outstanding | $464.6M | $502.2M | $32.7M | $34.4M | record → |
| Net income (year to date) | $2.5M | $2.5M | $169.4k | $222.2k | record → |
| Net worth | $64.2M | $74.4M | $6.9M | $9.0M | record → |
| Net worth ratio | 10.68% | 10.59% | 11.96% | 12.65% | record → |
| Loan-to-share ratio | 87.50% | 83.51% | 71.19% | 68.70% | computed |
| Return on assets | 0.84% | 0.75% | 0.68% | 0.71% | computed |
| Members | 39,267 | 41,964 | 3,256 | 4,818 | record → |
Quarter by quarter
33 Call Reports on record, 2018Q2–2026Q2; the 33 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $600.9M | $531.0M | $464.6M | $2.5M | 10.68% | 39,267 | 689 |
| 2026Q1 | $593.7M | $525.5M | $414.2M | $1.3M | 10.60% | 38,943 | 694 |
| 2025Q4 | $573.6M | $506.4M | $410.8M | $3.9M | 10.74% | 38,323 | 698 |
| 2025Q3 | $556.8M | $490.6M | $411.1M | $3.3M | 10.99% | 38,396 | 705 |
| 2025Q2 | $528.9M | $464.0M | $402.1M | $2.0M | 11.33% | 38,100 | 722 |
| 2025Q1 | $526.1M | $461.8M | $386.1M | $1.2M | 11.23% | 37,610 | 723 |
| 2024Q4 | $511.1M | $448.5M | $370.8M | $5.1M | 11.33% | 37,311 | 724 |
| 2024Q3 | $497.0M | $435.5M | $375.5M | $3.8M | 11.42% | 37,290 | 734 |
| 2024Q2 | $471.3M | $409.7M | $363.7M | $2.3M | 11.71% | 37,967 | 759 |
| 2024Q1 | $462.9M | $402.2M | $331.7M | $1.1M | 11.68% | 37,730 | 769 |
| 2023Q4 | $442.3M | $383.9M | $320.3M | $4.8M | 11.97% | 37,565 | 783 |
| 2023Q3 | $430.3M | $373.3M | $317.5M | $3.5M | 12.05% | 37,348 | 795 |
| 2023Q2 | $420.4M | $366.4M | $307.0M | $2.3M | 11.97% | 36,530 | 807 |
| 2023Q1 | $426.0M | $372.8M | $304.4M | $1.0M | 11.53% | 36,188 | 801 |
| 2022Q4 | $425.0M | $369.1M | $305.1M | $4.2M | 11.33% | 36,069 | 791 |
| 2022Q3 | $428.9M | $378.7M | $301.9M | $3.0M | 10.93% | 36,172 | 785 |
| 2022Q2 | $422.4M | $373.9M | $278.4M | $1.7M | 10.79% | 35,421 | 796 |
| 2022Q1 | $420.1M | $372.2M | $253.8M | $711.7k | 10.63% | 34,667 | 796 |
| 2021Q4 | $409.4M | $363.1M | $227.4M | $4.1M | 10.73% | 34,122 | 808 |
| 2021Q3 | $391.0M | $345.1M | $219.2M | $3.1M | 11.00% | 33,864 | 824 |
| 2021Q2 | $376.3M | $332.2M | $220.5M | $2.1M | 11.15% | 33,626 | 836 |
| 2021Q1 | $373.2M | $330.0M | $219.8M | $895.4k | 10.92% | 33,200 | 834 |
| 2020Q4 | $344.6M | $302.9M | $221.6M | $3.7M | 11.57% | 32,822 | 844 |
| 2020Q3 | $332.4M | $290.8M | $225.3M | $2.7M | 11.70% | 32,720 | 849 |
| 2020Q2 | $331.9M | $292.0M | $222.1M | $1.7M | 11.42% | 32,260 | 836 |
| 2020Q1 | $306.3M | $267.2M | $220.5M | $897.7k | 12.10% | 31,593 | 842 |
| 2019Q4 | $297.1M | $258.5M | $221.1M | $4.9M | 12.17% | 31,245 | 842 |
| 2019Q3 | $294.6M | $257.7M | $221.8M | $3.3M | 11.72% | 32,408 | 835 |
| 2019Q2 | $280.7M | $244.0M | $220.2M | $1.9M | 11.81% | 30,622 | 857 |
| 2019Q1 | $280.6M | $244.9M | $216.0M | $798.7k | 11.42% | 30,016 | 855 |
| 2018Q4 | $268.3M | $234.8M | $215.3M | $2.7M | 11.65% | 29,618 | 865 |
| 2018Q3 | $266.0M | $231.8M | $211.8M | $2.0M | 11.48% | 29,295 | 864 |
| 2018Q2 | $255.1M | $222.4M | $205.7M | $1.2M | 11.66% | 28,848 | 892 |
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