The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Montana

Yes. Valley Financial Credit Union is a federally insured credit union (NCUA charter #68689). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.1% of shares and deposits ($37.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Valley Financial Credit Union lists 11 offices in 6 cities across 2 states. Most locations:

• Billings, MT (6)
• Bozeman, MT (1)
• Cody, WY (1)
• Columbus, MT (1)
• Miles City, MT (1)
• Roundup, MT (1)

All branch addresses and map

In 2025, Valley Financial Credit Union reported 371 home-loan applications under HMDA (LEI 549300E57105E8PDY082): 280 originated ($50,880,000 total), 87 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Valley Financial Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68689

RSSD ID

868590

Primary regulator

State + NCUA

Established

1949

Headquarters

PO Box 20417, Billings, MT 59104

Employees

126