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Overview / Commentary
406-656-9100
P.O. Box 20417
Billings, MT 59104

Valley FCU of Montana is headquartered in BILLINGS and is the 5th largest credit union in the state of Montana. It is also the 937th largest credit union in the nation. It was established in 1949 and as of December of 2013, it had grown to 85 employees and 25,610 members. Valley FCU of Montana's savings rates are 44% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Valley Federal Credit Union's field of membership includes: Any person who lives or works in Yellowstone, Musselshell, Big Horn, Treasure, Carbon, Stillwater, Golden Valley and Sweetgrass County, Montana, and people who live, work, worship, or attend school in, or businesses and other legal entities in Park County, Wyoming. When you qualify for membership your relatives are also eligible, regardless of where they live or work. - See Details

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Valley FCU of Montana had $1.75 million in non-current loans and owned real-estate with $21.49 million in equity and loan loss allowances on hand to cover it. This gives Valley FCU of Montana a Texas Ratio of 8.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Valley FCU of Montana experienced no significant changes from 4.59% as of December 31, 2012 to 8.13% as of December 31, 2013, resulting in a negative change of 77.33%. This indicates that the balance sheet and financial strength for Valley FCU of Montana has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Valley FCU of Montana has increased its total deposits by $6.37 million, resulting in 3.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valley FCU of Montana has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valley FCU of Montana has $192.9 million in assets with $21.49 million in equity, resulting in a capitalization level of 11.14%, which is excellent.

Institution Statistics

Overall
NCUA #24214
Year Chartered1949
Employees85
Primary Regulator
Assets and Liabilities
Assets$192.90 million
Loans$140.94 million
Deposits$170.24 million
Equity Capital$20.85 million
Loan Loss Allowance$640,000
Unbacked Noncurrent Loans$1.75 million
Real Estate Owned$0
Historic Data - December 2012
Assets$184.51 million
Equity Capital$18.96 million
Loan Loss Allowance$789,000
Unbacked Noncurrent Loans$1.75 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.38%
Return on Assets0.99%
Return on Equity9.13%
Interest Income$8.56 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Valley FCU of Montana, we are a rate comparison website and can not provide official rates or promotions.

Valley FCU of Montana Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%-$20kRewards Savings
0.25%$25-Christmas Club
0.10%$25-Business Savings
0.05%$25-Regular Savings
0.05%$25-Stash Savings
0.05%$25-IRA Variable Rate Share Account
0.05%--Rewards Savings
0.05%$25-Roth IRA Variable Rate Share Account

Valley FCU of Montana Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$75k-Money Market Savings

Valley FCU of Montana Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.25%-$10kRewards Checking
1.00%-$1kStudent Checking
0.75%$2,500$10kPremier High Rate Checking (with direct deposit)
0.25%$25k-Business Interest Checking
0.25%$2,500$10kPremier High Rate Checking (no direct deposit)
0.05%--Rewards Checking

Valley FCU of Montana CD Rates

DetailsAPYMINMAXPRODUCT
1.35%$500-60 Month Small Saver Certificate
1.15%$500-48 Month Small Saver Certificate
1.00%$500-36 Month Small Saver Certificate
0.80%$500-30 Month Small Saver Certificate
0.75%$500-24 Month Small Saver Certificate
0.55%$500-24 Month Step-Up Certificate
0.45%$500-21 Month Small Saver Certificate
0.35%$500-15 Month Small Saver Certificate
0.35%$500-18 Month Small Saver Certificate
0.30%$500-12 Month Small Saver Certificate
0.30%$100-12 Month Youth Certificate
0.25%$1k-9 Month Money Market Certificate
0.15%$1k-6 Month Money Market Certificate

Valley FCU of Montana IRA Rates

DetailsAPYMINMAXPRODUCT
1.35%$500-60 Month Small Saver IRA Certificate (Traditional,Roth)
1.15%$500-48 Month Small Saver IRA Certificate (Traditional,Roth)
1.00%$500-36 Month Small Saver IRA Certificate (Traditional,Roth)
0.80%$500-30 Month Small Saver IRA Certificate (Traditional,Roth)
0.75%$500-24 Month Small Saver IRA Certificate (Traditional,Roth)
0.55%$500-24 Month Step-Up IRA Certificate (Traditional,Roth)
0.45%$500-21 Month Small Saver IRA Certificate (Traditional,Roth)
0.35%$500-15 Month Small Saver IRA Certificate (Traditional,Roth)
0.35%$500-18 Month Small Saver IRA Certificate (Traditional,Roth)
0.30%$500-12 Month Small Saver IRA Certificate (Traditional,Roth)
0.25%$1k-9 Month Money Market IRA Certificate (Traditional,Roth)
0.15%$1k-6 Month Money Market IRA Certificate (Traditional,Roth)
Locations


Valley FCU of Montana Locations
Branch Office400 W Pike AveColumbus, MT 59019-7190
Branch Office1902 Cougar AveCody, WY 82414
Branch Office207 N 28th StBillings, MT 59101
Branch Office1445 Main StBillings, MT 59105
Branch Office3025 King Ave WBillings, MT 59102
Branch Office1541 Custer AveBillings, MT 59102
Branch Office216 8th Ave ERoundup, MT 59072-2347