Civic Intelligence

Valley Financial Credit Union

EIN 81-0247124 • 501(c)14 • Billings, MT

View Organization Page

Profile

Building relationships with people in our communities and uniting with them to achieve their dreams.

PO Box 20417Billings, MT 59104

www.valleyfcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

31st percentile

0.89x

Higher debt load relative to assets than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

13.76x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

75th percentile

16%

Higher net margin than 75% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

97th percentile

16%

Faster asset growth than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

87th percentile

27%

Faster revenue growth than 87% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$511,119,447

Up $68,833,538 (+16%) from 2023

Liabilities

Up

$453,409,515

Up $63,714,195 (+16%) from 2023

Net Assets

Up

$57,709,932

Up $5,119,343 (+9.7%) from 2023

Operations
Liabilities / Revenue31st percentileNet Margin75th percentile

Revenue

Up

$32,952,579

Up $6,972,029 (+27%) from 2023

Expenses

Up

$27,833,236

Up $6,604,700 (+31%) from 2023

Net Income

Up

$5,119,343

Up $367,329 (+7.7%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth97th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2019: $297,066,702Liabilities 2019: $260,885,066Net Assets 2019: $36,181,6362019Assets 2020: $344,625,014Liabilities 2020: $304,751,832Net Assets 2020: $39,873,1822020Assets 2021: $409,425,878Liabilities 2021: $365,484,249Net Assets 2021: $43,941,6292021Assets 2022: $424,964,584Liabilities 2022: $376,816,711Net Assets 2022: $48,147,8732022Assets 2023: $442,285,909Liabilities 2023: $389,695,320Net Assets 2023: $52,590,5892023Assets 2024: $511,119,447Liabilities 2024: $453,409,515Net Assets 2024: $57,709,9322024

Highlighted filing

2024

Assets$511,119,447
Liabilities$453,409,515
Net Assets$57,709,932
Open 2024 Filing

Operations Trend

Revenue Growth87th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40M$30M$20M$10M$0Revenue 2019: $19,028,159Expenses 2019: $14,115,937Net Income 2019: $4,912,2222019Revenue 2020: $18,689,489Expenses 2020: $14,997,943Net Income 2020: $3,691,5462020Revenue 2021: $18,570,812Expenses 2021: $14,502,365Net Income 2021: $4,068,4472021Revenue 2022: $21,078,059Expenses 2022: $16,871,815Net Income 2022: $4,206,2442022Revenue 2023: $25,980,550Expenses 2023: $21,228,536Net Income 2023: $4,752,0142023Revenue 2024: $32,952,579Expenses 2024: $27,833,236Net Income 2024: $5,119,3432024

Highlighted filing

2024

Revenue$32,952,579
Expenses$27,833,236
Net Income$5,119,343
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$511,119,447
Liabilities
$453,409,515
Net assets
$57,709,932
Revenue
$32,952,579
Expenses
$27,833,236
Net income
$5,119,343
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$511$453$57.7$33.0$27.8$5.12
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$442$390$52.6$26.0$21.2$4.75
2022Detailed filing. Detailed filing data is available for this year.$425$377$48.1$21.1$16.9$4.21
2021Detailed filing. Detailed filing data is available for this year.$409$365$43.9$18.6$14.5$4.07
2020Detailed filing. Detailed filing data is available for this year.$345$305$39.9$18.7$15.0$3.69
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$297$261$36.2$19.0$14.1$4.91
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$33,668,426
Mission and Program Overview

Mission

Building relationships with people in our communities and uniting with them to achieve their dreams.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$316,971,454$367,194,235▲ $50,222,781
Cash and Non-Interest-Bearing Accounts$35,646,367$74,283,075▲ $38,636,708
Rtn Earn Endowment Incm Other Fnds$52,590,589$57,709,932▲ $5,119,343
Investments in Publicly Traded Securities$34,519,100$28,501,544▼ $6,017,556
Land, Buildings, and Equipment, Net$11,084,986$15,916,665▲ $4,831,679
Savings and Temporary Cash Investments$30,911,247$11,683,564▼ $19,227,683
Investments Other Securities$5,808,864$2,175,630▼ $3,633,234
Prepaid Expenses and Deferred Charges$410,009$2,057,251▲ $1,647,242
Accounts Receivable$992,426$1,809,294▲ $816,868
Receivables From Officers Etc$1,038,066$1,056,717▲ $18,651
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$442,285,909$511,119,447▲ $68,833,538
Other Assets Total$4,903,390$6,441,472▲ $1,538,082
Liabilities
Other Liabilities$384,305,124$448,950,694▲ $64,645,570
Accounts Payable and Accrued Expenses$4,895,186$3,288,919▼ $1,606,267
Deferred Revenue$225,922$711,151▲ $485,229
Escrow Account Liability$269,088$458,751▲ $189,663
Total Liabilities$389,695,320$453,409,515▲ $63,714,195
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,590,589$57,709,932▲ $5,119,343
Total Liabilities and Net Assets / Fund Balance$442,285,909$511,119,447▲ $68,833,538

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,459,648$6,153,559$13,613,207
Land$5,849,021-$5,849,021
Equipment$1,948,758$2,974,153$4,922,911
Other Land Buildings$452,056$396,748$848,804
Leasehold Improvements$207,182$410,737$617,919
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Casey KleinChief Executive OfficerFT$307,291$124,863$432,154
Alan VogtSr VP Commercial ServicesFT$160,641$52,118$212,759
Scott KanningChief Financial OfficerFT$169,826$36,841$206,667
Jessica HaynesMortgage Loan OriginatorFT$185,968$15,590$201,558
Christopher LorashSr VP of Mortgage and ConsFT$155,665$26,754$182,419
Kindra McmullinChief Operations OfficerFT$132,113$32,609$164,722
Joseph OlivoVP of Member ExperienceFT$116,187$39,018$155,205
Jacqueline HelmanMortgage Loan OriginatorFT$131,108$21,051$152,159
Deby MurchVP of Hr/adminFT$120,661$21,156$141,817
Brandon ScalaSr VP of Business DevelopmFT$120,857$8,329$129,186

Board Members and Trustees

NameTitle
Reg GibbsBoard Chairperson-outgoing
Gabriel BrianoDirector/incoming Board Chairperson
Wes OjaVice Chairman/chairperson
Brad NeilsonDirector
Lisa HuertasDirector
Zac RohrerDirector
Ann AdairSecretary
Jordan FrickleTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservProcessing Services255 FISERVE DRIVE, Brookfield, WI 53045$2,526,719
A D Creative GroupAdvertising105 N BROADWAY, Billings, MT 59101$548,585
Samaha & Associates INCConsulting Services2020 NORTH BAYSHORE DRIVE UNIT 300, Miami, FL 33137$196,807
Strategic Resource ManagementConsulting Services5100 POPLAR AVE STE 2500, Memphis, TN 38137$173,321
Tw Clark & Ridley ConstructionConstruction Services609 CHARLES ST, Billings, MT 59101$161,284
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,011,394
Investment Income
$2,638,213
Other Revenue
$302,972
Change in Net Assets
$5,119,343

Audited Revenue Reconciliation

Revenue per Audited Statements
$32,944,468
Revenue Not Reported on Financial Statements
$8,111
Revenue Not Reported on Form 990
$686,942
Other Revenue Adjustments
$8,111
Total Revenue per Audited Statements
$33,631,410
Total Revenue per Form 990
$32,952,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,962,312
Salaries, Compensation, and Employee Benefits$9,914,956
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,480,573
Benefits to Members---$6,955,968
Office Expenses---$1,226,863
Other Employee Benefits---$912,231
Other Expenses---$840,261
Advertising---$834,153
Depreciation Depletion---$807,026
Current Officers, Directors, Trustees, and Key Employees---$638,822
Payroll Taxes---$636,160
Occupancy---$596,020
All Other Expenses---$523,826
Fees for Services Other---$311,882
Information Technology---$306,832
Pension Plan Contributions---$247,170
Conferences and Meetings---$172,522
Insurance---$145,742
Fees for Services Accounting---$85,857
Fees for Services Legal---$32,350
Travel---$21,413
Interest---$3,248
Total Functional Expenses$0$0$0$27,833,236

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$28,512,067
Total Expenses per Form 990$27,833,236
Expenses per Audited Statements$27,825,125
Expenses Not Reported on Form 990$686,942
Expenses Not Reported on Financial Statements$8,111
Other Expense Adjustments$8,111
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,038,066$1,056,717▲ $18,651
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE, SAVINGS, AND OTHER ACCOUNTS$448,480,178
Atm Clearing$310,369
Lease Liabilities$159,987
Dividends Payable$160
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Valley financial credit union may and does have members in montana and wyoming. Valley credit union's field of membership includes persons who live, work, worship or attend school in and businesses and other legal entities located in 30 counties in mt and wy. Additionally, membership is available to spouses of persons who died while within the field of membership of this credit union; persons retired as pensioners or annuitants from the above employment; members of their immediate families; and organizations of such persons. Relatives of members are eligible regardless of where they live and work.”

Form 990, Part VI, Section A, Line 7A

“Each member is entitled to one vote at annual meetings where the board of directors is elected.”

Form 990, Part VI, Section A, Line 7B

“Certain significant decisions are subject to member approval.”

Form 990, Part VI, Section B, Line 11B

“The 990 will be reviewed by executive management prior to filing. It will be shown to the board at the first available meeting.”

Form 990, Part VI, Section B, Line 12C

“Employee share and loan accounts are monitored by compliance personnel. All employees are required to confirm compliance with policies annually.”

Form 990, Part VI, Section B, Line 15

“The board of directors has contracted with balancedcomp to review and recommend the ceo compensation package. Valley has also contracted with balancedcomp to review and recommend compensation packages for management and all positions.”

Form 990, Part VI, Section C, Line 19

“Monthly financial statements are posted in all branch lobbies. Quarterly call reports are available at ncua.gov. Annual financial statements are distributed at the annual meeting. All other documents required to be available to the public are available on request.”

Filing and Contact Details

Filer

Filer Name
Valley Financial Credit Union
EIN
81-0247124
Phone
4066555053
Address
PO BOX 20417, BILLINGS, MT 59104
Doing Business As
Valley Credit Union

Signing Officer

Name
Scott Kanning
Title
Chief Financial Officer
Phone
4066555053
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Casey Klein
Formed
1949
Legal Domicile
Mt
Voting Board Members
7
Independent Board Members
7
Employees
155
Volunteers
15

Preparer

Firm
Junkermierclarkcampanellastevenspc
Address
P O BOX 989, GREAT FALLS, MT 59403
Preparer
Karen J Gessaman CPA
Phone
4067612820
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“Valley credit union holds mortgage escrows and reports on part x. These mortgage escrows are for first mortgage and mobile home loans in which valley is in the first position. Funds in these escrows are intended for short-term payables such as property taxes and insurance. Valley credit union believes providing these escrows helps its members effectively budget for and manage home ownership.”

PART X, LINE 2:

“Valley credit union is exempt, by statute, from federal and state income taxes. However, as a state-chartered credit union, a filing requirement exists for an annual form 990 for exempt entities. In addition, form 990-t is required to report unrelated business income such as non-member atm fees and sales of certain warranties. Income from these activities does generate a minimal tax liability.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Rental expenses 686,940. Fractions of cents adjustment 2.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Gross receipts adjustment from partnership investment 8,111.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Rental expenses 686,940. Fractions of cents adjustment 2.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Expenses from partnership investment 8,111.”

Raw XML AppendixShowing 400 of 696 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0VALLEY FINANCIAL CREDIT UNION PROVIDES ITS 37,311 MEMBERS WITH TOP-NOTCH FINANCIAL SERVICES WITH PERSONALIZED, ACCOMODATING SERVICE. VALLEY FINANCIAL CREDIT UNION OFFERS MEMBERS PERSONAL CHECKING AND SAVINGS ACCOUNTS; BUSINESS ACCOUNTS; CREDIT AND DEBIT CARDS; IRAS; PERSONAL, BUSINESS, VEHICLE, AND HOME LOANS; AND OVERDRAFT PROTECTION. ADDITIONAL SERVICES INCLUDE MUTUAL, MEMBERSHIP BENEFIT PROGRAMS, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER INFORMATION.
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IRS990/Form990PartVIISectionAGrp/PersonNm5LISA HUERTAS
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IRS990/Form990PartVIISectionAGrp/PersonNm7ZAC ROHRER
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IRS990/Form990PartVIISectionAGrp/PersonNm15DEBY MURCH
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IRS990/Form990PartVIISectionAGrp/PersonNm17JACQUELINE HELMAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10MORTGAGE LOAN ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR VP COMMERCIAL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR VP OF MORTGAGE AND CONS
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF OPERATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SR VP OF BUSINESS DEVELOPM
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF HR/ADMIN
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP OF MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt17MORTGAGE LOAN ORIGINATOR
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IRS990ScheduleD/ExpensesNotReportedAmt0686942
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt08111

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