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VALLEY FINANCIAL CREDIT UNION

EIN 81-0247124 BILLINGS, MT

Largest nonprofits in Montana

Revenue 2024
$32,952,579
Expenses 2024
$27,833,236

As filed

Subsection
14
NTEE code
W61
Classification
1000
Street
PO BOX 20417

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

BUILDING RELATIONSHIPS WITH PEOPLE IN OUR COMMUNITIES AND UNITING WITH THEM TO ACHIEVE THEIR DREAMS.

  • VALLEY 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.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Reg Gibbs

    BOARD CHAIRPERSON-OUTGOING

    Total calculated
    $0
    Hours/week
    1
  • Wes Oja

    VICE CHAIRMAN/CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Ann Adair

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Jordan Frickle

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Gabriel Briano

    DIRECTOR/INCOMING BOARD CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Lisa Huertas

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Brad Neilson

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Zac Rohrer

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Casey Klein

    CHIEF EXECUTIVE OFFICER

    Total calculated
    $432,154
    From this org
    $387,291
    From related orgs
    $0
    Other
    $44,863
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $307,291
    Bonus
    $80,000
    Other
    $0
    Deferred
    $17,250
    Nontaxable benefits
    $27,613
    Filer's total
    $432,154
  • Scott Kanning

    CHIEF FINANCIAL OFFICER

    Total calculated
    $206,667
    From this org
    $185,386
    From related orgs
    $0
    Other
    $21,281
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $169,826
    Bonus
    $15,560
    Other
    $0
    Deferred
    $10,666
    Nontaxable benefits
    $10,615
    Filer's total
    $206,667
  • Jessica Haynes

    MORTGAGE LOAN ORIGINATOR

    Total calculated
    $201,558
    From this org
    $189,620
    From related orgs
    $0
    Other
    $11,938
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $185,968
    Bonus
    $3,652
    Other
    $0
    Deferred
    $11,377
    Nontaxable benefits
    $561
    Filer's total
    $201,558
  • Alan Vogt

    SR VP COMMERCIAL SERVICES

    Total calculated
    $212,759
    From this org
    $185,169
    From related orgs
    $0
    Other
    $27,590
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $160,641
    Bonus
    $24,528
    Other
    $0
    Deferred
    $11,435
    Nontaxable benefits
    $16,155
    Filer's total
    $212,759
  • Christopher Lorash

    SR VP OF MORTGAGE AND CONS

    Total calculated
    $182,419
    From this org
    $171,163
    From related orgs
    $0
    Other
    $11,256
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $155,665
    Bonus
    $15,498
    Other
    $0
    Deferred
    $10,270
    Nontaxable benefits
    $986
    Filer's total
    $182,419
  • Kindra McMullin

    CHIEF OPERATIONS OFFICER

    Total calculated
    $164,722
    From this org
    $143,936
    From related orgs
    $0
    Other
    $20,786
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $132,113
    Bonus
    $11,823
    Other
    $0
    Deferred
    $8,802
    Nontaxable benefits
    $11,984
    Filer's total
    $164,722
  • Brandon Scala

    SR VP OF BUSINESS DEVELOPM

    Total calculated
    $129,186
    From this org
    $120,857
    From related orgs
    $0
    Other
    $8,329
    Hours/week
    40
  • Deby Murch

    VP OF HR/ADMIN

    Total calculated
    $141,817
    From this org
    $120,661
    From related orgs
    $0
    Other
    $21,156
    Hours/week
    40
  • Joseph Olivo

    VP OF MEMBER EXPERIENCE

    Total calculated
    $155,205
    From this org
    $135,046
    From related orgs
    $0
    Other
    $20,159
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $116,187
    Bonus
    $18,859
    Other
    $0
    Deferred
    $8,185
    Nontaxable benefits
    $11,974
    Filer's total
    $155,205
  • Jacqueline Helman

    MORTGAGE LOAN ORIGINATOR

    Total calculated
    $152,159
    From this org
    $134,685
    From related orgs
    $0
    Other
    $17,474
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $131,108
    Bonus
    $3,577
    Other
    $0
    Deferred
    $7,469
    Nontaxable benefits
    $10,005
    Filer's total
    $152,159

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $32,952,579
    Expenses
    $27,833,236
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $25,980,550
    Expenses
    $21,228,536
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $21,078,059
    Expenses
    $16,871,815
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $18,570,812
    Expenses
    $14,502,365
    Assets (EOY)
    $409,425,878
  • 2020 · 990

    Revenue
    $18,689,489
    Expenses
    $14,997,943
    Assets (EOY)
    $344,625,014
  • 2019 · 990

    Revenue
    $19,028,159
    Expenses
    $14,115,937
    Assets (EOY)
    $297,066,702

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2024 return

  • VALLEY CUSO LLC

    INACTIVE · MT · income $0 · assets $3,720

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.