Side-by-side · Q2 2026 data
First Interstate Bank vs Valley Financial Credit Union
Metric by metric
| Measure | First Interstate Bank | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 44 | 57 (stronger) |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 68 (stronger) | 54 |
| Funding & liquidity | 71 | 73 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 35th | 54th |
| Total assets | $25.8B | $600.9M |
| Deposits / shares | $21.7B | $531.0M |
| Capital ratio | 9.42% | 10.68% (stronger) |
| Problem loans | 1.12% | 0.25% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.36% |
| Return on assets | 1.21% (stronger) | 0.84% |
| Loans ÷ deposits | 64.9% (stronger) | 87.5% |
| Uninsured deposits | 36.4% | 7.1% (stronger) |
| Offices | 270 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.4% | 23.6% |
Valley Financial Credit Union has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Interstate Bank leads on 3 and Valley Financial Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Billings, MT
- Bozeman, MT
- Columbus, MT
- Miles City, MT