Side-by-side · Q2 2026 data
Stockman Bank of Montana vs Valley Financial Credit Union
Metric by metric
| Measure | Stockman Bank of Montana | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 49 | 57 (stronger) |
| Loan quality | 80 | 92 (stronger) |
| Earnings | 96 (stronger) | 54 |
| Funding & liquidity | 49 | 73 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 63rd | 54th |
| Total assets | $7.7B | $600.9M |
| Deposits / shares | $6.2B | $531.0M |
| Capital ratio | 9.89% | 10.68% (stronger) |
| Problem loans | 0.60% | 0.25% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.36% |
| Return on assets | 1.91% (stronger) | 0.84% |
| Loans ÷ deposits | 82.9% (stronger) | 87.5% |
| Uninsured deposits | 40.1% | 7.1% (stronger) |
| Offices | 45 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 23.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Stockman Bank of Montana leads on 3 and Valley Financial Credit Union on 3. 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
- Miles City, MT