Sep, 30, 2025 — VALLEY FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in BILLINGS, MT with 11 branch locations and about $556.81 million in total assets. Opened 77 years ago in 1949, VALLEY FINANCIAL CREDIT UNION has about 38,396 members and employs 131 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VALLEY FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1541 Custer Ave BILLINGS, MT 59102 |
| Phone: | (406) 656-9100 |
| Fax: | (406) 655-5085 |
| Website: | https://www.valleyfcu.com |
| Branches: | 11 branch locations |
| Members: | 38,396 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68689 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $556,805,181 |
| CEO/Manager: | Casey Klein |
| Chairperson: | Gabriel Briano |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 69,492,135 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 1,001,550 |
| Real Estate Loans | 155,819,504 |
| Unsecured Loans | 13,506,939 |
| Other Loans | 241,291,579 |
| TOTAL LOANS | 411,126,373 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,037,255 |
| Land And Building | 13,996,753 |
| Other Fixed Assets | 3,851,600 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,362,477 |
| All Other Assets | 180,524 |
| TOTAL ASSETS | 556,805,181 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,923 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,108,859 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 113,003,807 |
| Regular shares | 126,842,117 |
| All Other Shares & Deposits | 250,803,591 |
| TOTAL SHARES & DEPOSITS | 490,649,515 |
| TOTAL LIABILITIES | 495,803,090 |
| Regular Reserve | 0 |
| Other Reserves | 2,311,885 |
| Undivided Earnings | 58,690,206 |
| TOTAL EQUITY | 61,002,091 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 556,805,181 |
| INCOME & EXPENSE | |
| Loan Income | 18,967,907 |
| Investment Income | 2,421,934 |
| Other Income | 4,278,649 |
| Total Employee Compensation & Benefits | 8,456,077 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 8,099,965 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,954,523 |
| Cost of Funds | 6,340,969 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,292,159 |
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