Billings, MT · State Credit Union · Chartered in MT
Who can join
State government employees (special charter)
Members
38,943
Net Worth Ratio
10.60%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$593.7M
Total Shares
$525.5M
Total Loans
$414.2M
Net Income
$1.3M
Net Worth Ratio
10.60%
≥7% = Well Capitalized
Members
38,943
Return on Assets
0.22%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.19%
$783K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 337 | 244 | 87 | 72.4% | 25.8% |
| 2022 | 311 | 211 | 100 | 67.8% | 32.1% |
| 2021 | 365 | 238 | 127 | 65.2% | 34.8% |
Last 12 Months
3
Since 2018
8
all complaints on record
Monetary Relief
0%
% of complaints with monetary relief
Untimely Response
63%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Feb 2026.Last 12 months shown — upgrade for full history.
Custer Branch
1541 Custer Ave, Billings, MT, 59102
Lobby: Monday - Thursday 9:00am-4:00pm Lobby: Friday 9:00am-5:00pmDrive up: Monday - Friday 7:30am-6:00pm Drive up: Saturday 9:00am-1:00pm
King Avenue Branch
3025 King Ave W, Billings, MT, 59102
Lobby: Monday-Thursday 9:00am-4:00pmLobby: Friday 9:00am-5:00pm Drive-Up: Monday-Friday 7:30am-6:00pm Drive-Up: Saturday 9:00am-1:00pm
Columbus Branch
400 W Pike Ave, Columbus, MT, 59019-7190
Lobby: Monday-Thursday 9:00am-4:00pm Lobby: Friday 9:00am-5:00pm Walk-up: Monday-Friday 8:30am-5:00pm Walk-up: Saturday 9:00am-12:00pm
Heights Branch
1445 Main St, Billings, MT, 59105
Lobby: Monday-Thursday 9:00am-4:00pmLobby: Friday 9:00am-5:00pm Drive-Up: Monday-Friday 7:30am-6:00pm Drive-Up: Saturday 9:00am-1:00pm
Downtown Branch
207 N 28th St, Billings, MT, 59101
Lobby: Monday-Friday 7:30am-4:30pm
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<a href="https://bankscorer.com/credit-union/valley-financial" target="_blank" rel="noopener">View VALLEY FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 78.8%· healthy range 60–80%
'22
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2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.
Roundup Branch
216 8th Ave E, Roundup, MT, 59072-2347
Lobby: Monday-Thursday 9:00am-4:00pmLobby: Friday 9:00am-5:00pm Drive-Up: Monday-Friday 8:00am-5:00pm Drive-Up: Saturday 9:00am-12:00pm
Cody Branch
1902 Cougar Ave, Cody, WY, 82414
Lobby: Monday-Friday 9:00am-5:00pmDrive up: Monday-Friday 8:30am-5:30pmDrive up: Saturday 9:00am-12:00pm
Grand Ave Branch
2955 Grand Ave, Billings, MT, 59102
Lobby: Monday-Thursday 9:00am-4:00pmLobby: Friday 9:00am-5:00pmDrive up: Monday-Friday 7:30am-6:00pmDrive up: Saturday 9:00am-1:00pm
Bozeman Branch
1707 Oak St Ste A, Bozeman, MT, 59715-2125
Lobby: Monday - Friday 9:00AM to 5:30PM
Downtown Administration
207 N 28th St, Billings, MT, 59101
M-F 8 am -5 pm
2 more locations not shown.