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Kootenai Valley Credit Union Share
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Overview Share
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Kootenai Valley Credit Union is a federal credit union based in Libby, Montana. It has been opened since 1956, for 66 years.

With around $4,720,000 in assets, Kootenai Valley Credit Union is considered to be a small credit union.

About Share
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Address Po Box 636
Libby, Montana 59923
Website http://kootenaivalleyfcu.com
Phone (406) 293-6421
Fax (406) 293-8491
CEO Betty L. Willman
President of the Board Gerald Wallace
Services Offered
Score Card Share
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66 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
1,539 members
Membership type: Community credit union
Below average number of members
440:1
Credit union member to staff ratio
440 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$4,716,739
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
0.18%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
Kootenai Valley Credit Union Branch Locations

Kootenai Valley Federal Credit Union
1010 Minnesota Avenue
Libby, Montana 59923
No ATM
Members Share
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1,539 members
Membership type: Community credit union
Below average number of members

With 1,539 members, the Kootenai Valley Credit Union is considered to be a small credit union. It is smaller than 72% of credit unions.

Fees Share
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$27
Average fee per member
The average fee per member at the Kootenai Valley Credit Union is $27, which is low compared to most credit unions. This rate is lower than 67% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Kootenai Valley Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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440:1
Credit union member to staff ratio
440 per each FTE employee
Compared to 411:1 nationally
Fewer staff
4 staff members
FTE (full-time equivalent)
25% of employees are part-time
3 full-time, 1 part-time

Kootenai Valley Credit Union has 3 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Kootenai Valley Credit Union has around 440 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$4,716,739
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$6,030
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 85% of credit unions.

Kootenai Valley Credit Union holds a total of $2,910,000 in loans and leases, which is about $6,030 per member on average.

Savings interest rate Share
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0.18%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Kootenai Valley Credit Union pays 0.18%.

Loan rates Share
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9.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
9.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.86%
New car loan rate
Compared to 4.0% nationally
7.08%
Used car loan rate
Compared to 5.2% nationally

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Kootenai Valley Federal Credit Union
Credit Union Branch: 1010 Minnesota Avenue
Libby, Montana 59923 No ATM