Side-by-side · Q2 2026 data
Billings Federal Credit Union vs Valley Financial Credit Union
Metric by metric
| Measure | Billings Federal Credit Union | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 67 (stronger) | 57 |
| Loan quality | 74 | 92 (stronger) |
| Earnings | 38 | 54 (stronger) |
| Funding & liquidity | 63 | 73 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 31st | 54th |
| Total assets | $216.1M | $600.9M |
| Deposits / shares | $185.6M | $531.0M |
| Capital ratio | 11.73% (stronger) | 10.68% |
| Problem loans | 0.77% | 0.25% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.36% |
| Return on assets | 0.46% | 0.84% (stronger) |
| Loans ÷ deposits | 97.7% | 87.5% (stronger) |
| Uninsured deposits | 8.7% | 7.1% (stronger) |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.6% |
Valley Financial Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Billings Federal Credit Union leads on 2 and Valley Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.