Valley FCU of Montana

PO Box 20417
Billings, MT 59104
406-656-9100
www.valleyfcu.com

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Valley FCU of Montana is headquartered in Billings and is the 5^th largest credit union in the state of Montana. It is also the 959^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 90 employees and 24,694 members. Valley FCU of Montana's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Valley FCU of Montana Checking Account Rates

Apy	Min	Max	Product
2.75%	-	$10k	REWARDS Checking
0.25%	$25k	-	Business Interest Checking

Valley FCU of Montana Savings Account Rates

Apy	Min	Max	Product
0.75%	-	$20k	Rewards Savings - Qualifying
0.25%	$25	-	Christmas Club
0.10%	$25	-	Business Savings
0.05%	$25	-	Share Savings
0.05%	$25	-	Stash Savings
0.05%	$25	-	IRA Share Account (Variable)
0.05%	-	-	Rewards Savings - Non Qualifying

Valley FCU of Montana Money Market Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	Money Market Savings

Valley FCU of Montana CD Rates

Apy	Min	Max	Product
1.56%	$500	-	60 Month Small Saver CD
1.46%	$500	-	54 Month Small Saver CD
1.36%	$500	-	48 Month Small Saver CD
1.26%	$500	-	42 Month Small Saver CD
1.26%	-	-	36 Month CD Promo
1.00%	$500	-	36 Month Small Saver CD
1.00%	-	-	24 Month CD Promo
0.80%	$500	-	30 Month Small Saver CD
0.65%	$500	-	24 Month Small Saver CD
0.55%	$500	-	24 Month Step-Up CD
0.50%	$500	-	21 Month Small Saver CD
0.35%	$500	-	15 Month Small Saver CD
0.35%	$500	-	18 Month Small Saver CD
0.30%	$500	-	12 Month Small Saver CD
0.30%	$100	-	12 Month Youth CD
0.25%	$1k	-	9 Month Money Market CD
0.15%	$1k	-	6 Month Money Market CD
0.10%	$1k	-	3 Month Money Market CD

Valley FCU of Montana IRA Rates

Apy	Min	Max	Product
1.56%	$500	-	60 Month Small Saver IRA
1.46%	$500	-	54 Month Small Saver IRA
1.36%	$500	-	48 Month Small Saver IRA
1.26%	$500	-	42 Month Small Saver IRA
1.26%	-	-	36 Month IRA Promo
1.00%	$500	-	36 Month Small Saver IRA
1.00%	-	-	24 Month IRA Promo
0.80%	$500	-	30 Month Small Saver IRA
0.65%	$500	-	24 Month Small Saver IRA
0.55%	$500	-	24 Month Step-Up IRA
0.50%	$500	-	21 Month Small Saver IRA
0.35%	$500	-	15 Month Small Saver IRA
0.35%	$500	-	18 Month Small Saver IRA
0.30%	$500	-	12 Month Small Saver IRA
0.25%	$1k	-	9 Month Money Market IRA
0.15%	$1k	-	6 Month Money Market IRA
0.10%	$1k	-	3 Month Money Market IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

VALLEY FCU OF MONTANA
NCUA #	24214
BankRate Report	View
Year Chartered	1949
Employees	90
Primary Regulator
Assets and Liabilities
Assets	$170.60 million
Loans	$114.42 million
Deposits	$151.78 million
Equity Capital	$16.65 million
Loan Loss Allowance	$871,000
Unbacked Noncurrent Loans	$895,000
Historic Data - December 2010
Assets	$157.50 million
Equity Capital	$14.84 million
Loan Loss Allowance	$1.08 million
Unbacked Noncurrent Loans	$976,000
Profit Margin - Quarterly
Net Interest Margin	5.83%
Return on Assets	1.05%
Return on Equity	10.71%
Interest Income	$8.23 million
Non-Interest Income	$2.88 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2011 Valley FCU of Montana had $895,000 in non-current loans and owned real-estate with $17.52 million in equity and loan loss allowances on hand to cover it. This gives Valley FCU of Montana a Texas Ratio of 5.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Valley FCU of Montana decreased slightly from 6.13% as of December 31, 2010 to 5.11% as of December 31, 2011, resulting in a positive change of 16.67%.This indicates that the balance sheet and financial strength for Valley FCU of Montana has improved slightly in recent periods.
Deposit Growth
In the past year, Valley FCU of Montana has increased its total deposits by $10.78 million, resulting in 7.65% 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
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 $170.6 million in assets with $17.52 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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