Side-by-side · Q2 2026 data
The Yellowstone Bank vs Valley Financial Credit Union
Metric by metric
| Measure | The Yellowstone Bank | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 71 |
| Capital cushion | 73 (stronger) | 57 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 75 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 98th | 54th |
| Total assets | $1.3B | $600.9M |
| Deposits / shares | $1.1B | $531.0M |
| Capital ratio | 12.33% (stronger) | 10.68% |
| Problem loans | 0.01% (stronger) | 0.25% |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 2.99% (stronger) | 0.84% |
| Loans ÷ deposits | 66.6% (stronger) | 87.5% |
| Uninsured deposits | 32.2% | 7.1% (stronger) |
| Offices | 9 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.6% |
The Yellowstone Bank has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Yellowstone Bank leads on 6 and Valley Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Billings, MT
- Bozeman, MT
- Columbus, MT