PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valley Financial

Billings, MT · Charter 68689

NCUA · 12 branches

Q2 2026

$600.9MAssets
$464.6MLoans
$531.0MShares
$64.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.84%, up 7 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.25% of loans (-11 bps YoY).
  • Capital: net worth / assets of 10.68%, down 66 bps from a year ago.
  • Funding: loans stand at 87.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-14 bps YoY

Efficiency Ratio (YTD, annualized)

75.67%+71 bps YoY

Net Worth / Assets

10.68%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.79%0.68%0.87%0.84%+7 bps
Return on Equity6.83%7.17%6.35%8.19%7.90%+107 bps
Net Interest Margin3.73%3.60%3.55%3.56%3.59%-14 bps
Efficiency Ratio74.95%75.94%78.32%77.58%75.67%+71 bps
Growth
Asset Growth (YoY)12.22%12.03%12.22%12.85%13.62%+140 bps
Loan Growth (YoY)10.55%9.48%10.80%7.27%15.55%+500 bps
Share Growth (YoY)13.23%12.67%12.91%13.79%14.45%+122 bps
Asset Quality
Delinquent Loans / Loans0.36%0.31%0.35%0.30%0.25%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.34%10.99%10.74%10.60%10.68%-66 bps
Net Worth / Assets11.34%10.99%10.74%10.60%10.68%-66 bps
Liquidity & Funding
Loans / Shares86.67%83.79%81.13%78.83%87.50%+83 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps