VALLEY FINANCIAL
Charter #68689 · Billings, MT · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.30% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 36th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VALLEY FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $593.70M | 23th pct | 46th pct |
| Members | 38,943 | 43th pct | 44th pct |
| Net worth ratio | 10.60% | 54th pct | 57th pct |
| Return on average assets | 0.88% | 64th pct | 64th pct |
| Net interest margin | 3.62% | 60th pct | 36th pct |
| Cost of funds | 1.73% | 69th pct | 69th pct |
| Loan-to-share | 78.83% | 42th pct | 48th pct |
| Delinquency 60+ days | 0.30% | 22th pct | 13th pct |
| Net charge-off ratio | 0.36% | 44th pct | 28th pct |
| Loan growth YoY | 0.76% | 49th pct | 28th pct |
| Share growth YoY | 7.10% | 87th pct | 80th pct |
| Efficiency ratio | 77.58% | 46th pct | 54th pct |
structural peer set hash: 12b803395ff927d4052b521c8fcbd0c6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.