VOCAL Credit Union Profile

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VOCAL

Charter #68677 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (406) 442-1421

Fax: (406) 442-6123

Founding Date: N/A

Website: http://www.vocal.coop

Personnel & Operations

President: Dixon, Scott

Manager: Black, Eddie

FT Employees: 13

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: 7:30AM-5:30PM M-TH, 7:30AM-6:00PM FRI, 9:00

Credit Union Profile Summary

VOCAL is a FISCU Credit Union. With a total of 4,368 members [1], this institution manages approximately $49,118,142 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.9% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.60% [1].

Financial Snapshot

Total Assets [1]
$49,118,142

Total economic resources.

Total Loans [1]
$32,672,183

Total value of outstanding loans.

Total Deposits [1]
$42,351,011

Total funds deposited by members.

Members [1]
4,368

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.9%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.25%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
77.15%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.51%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -3.60%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.79%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2910 PROSPECT AVE

HELENA, MT, 59601-9726
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by VOCAL (Charter #68677).

Main Office

2910 Prospect Ave Main Office

Type: Corporate Office

2910 Prospect Ave

Helena, MT 59601-9726

Phone: (406) 442-1421

Services: Member Services, ATM, Drive-Thru

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Additional Branches

White Sulphur Springs

White Sulphur Springs Branch

Type: Branch Office

4261 US Highway 12 E

White Sulphur Springs, MT 59645

Phone: (406) 547-3265

Services: Member Services, Drive-Thru

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