VOCAL
State-Chartered • Helena, Montana • Est. 1954
Quick Facts
- Charter Number
- #68677
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Helena, Montana 59601-9726
- Address
- 2910 Prospect Ave
- Branches
- 2
- ATMs
- 1
- Members
- 4,324
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,324 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VOCAL |
|---|---|
| Total Assets | $52.0M |
| Members | 4,324 |
| Loans Outstanding | $31.4M |
| Shares & Deposits | $44.7M |
| Net Worth | $6.8M |
| Net Worth Ratio | 13.10% |
| Loan-to-Share Ratio | 70.1% |
| Delinquency Rate | 1.03% |
| Net Income | +$177,307 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 1 ATMs
2910 Prospect Ave
Main Office2910 Prospect Ave
Helena, MT 59601-9726
White Sulphur Springs Branch
4261 US Highway 12 E
White Sulphur Springs, MT 59645
Who Can Join VOCAL?
Membership Type: Community
Membership eligibility for VOCAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact VOCAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Montana
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Montana RankingsFrequently Asked Questions
VOCAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, VOCAL has 4,324 members and a potential membership field of 108,000 people.
VOCAL's reported net worth ratio is 13.10% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
VOCAL operates 2 branch locations and has access to 1 ATMs. The main office is located at 2910 Prospect Ave, Helena, MT 59601-9726.
VOCAL was established in 1954. It is a state-chartered credit union chartered under charter number 68677. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or VOCAL. All financial data is for informational purposes only.