State credit union · HELENA, Montana · NCUA charter #68677
VOCAL
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $51.5M
- Total assets
- 4,368
- Members
- 13.1%
- Net-worth ratio
VOCAL scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.5M; members 4,368; net-worth ratio 13.10%; health rank #1,631 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,631 of 4,374 health · 2025Q4VOCAL · health 87/100 · $51.5M · 2025Q4
Call Report peers
VOCAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VOCAL vs every NCUA-scored credit union
VOCAL sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for VOCAL
- Largest favorable gap: Loan-to-Share Ratio at 69.77% vs peer 62.60% (+7.17 pp).
- Net Worth Ratio trails the peer set - 13.10% here, 13.62% peer average (-0.52 pp).
VOCAL in Montana
- In Montana, health place is #20 of 41 on the same NCUA-ratio sort used nationally.
- By total assets, VOCAL is #21 of 41 in Montana.
- Montana membership ordinal: #18 of 41.
- One place up in Montana, Community 1st (#19) scores 88/100, 1 point higher; one place down, RIMROCK (#21) scores 86/100, 1 point lower.
Quarter path for VOCAL
VOCAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $51.5M (2025Q4) to $52.0M (2026Q1).
- Net-worth ratio shifted +0.23 pp (12.87% → 13.10%).
At 13.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
VOCAL gives up 13 points in total. Delinquency Rate costs the most, 7.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.7 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.7 pts
VOCAL health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.10% | -0.52 pp |
| Delinquency Rate | 1.31% | +0.35 pp |
| Return on Assets | 1.11% | +0.45 pp |
| Member Growth | 0.53% | - |
| Loan-to-Share Ratio | 69.77% | +7.17 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
VOCAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.0M | - |
| 2025Q4 | $51.5M | 4,368 |
| 2024Q4 | $49.2M | 4,345 |
| 2023Q4 | $48.5M | 4,345 |
Credit Union Details
- Charter Number
- 68677
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Montana
- City
- HELENA
- Data Quarter
- 2025Q4
Branch Locations (2)
VOCAL operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 2910 Prospect Ave (Main Office) | Helena, MT |
| White Sulphur Springs Branch | White Sulphur Springs, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
A look at other Montana credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for VOCAL
Similar total assets
Using this data
- VOCAL ranks #1,631 of 4,374 nationally on financial health and #20 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIMROCK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIMROCK
Frequently Asked Questions
Is VOCAL financially healthy?
On its 2025Q4 NCUA 5300 filing, VOCAL scores 87/100 (Excellent), with a 13.10% net worth ratio and 1.31% of loans delinquent. It ranks #1,631 of 4,374 nationally on health and #20 of 41 in Montana.
How does VOCAL compare to other credit unions?
VOCAL scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (69.77% vs 62.60%). Its widest shortfall is net worth ratio (13.10% vs 13.62%).
How can I join VOCAL?
Membership eligibility for VOCAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VOCAL directly for current membership requirements and application steps.
Is my money safe at VOCAL?
VOCAL is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VOCAL's net worth ratio of 13.10% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.