VOCAL
State-Chartered • HELENA, Montana • Est. 1954
Quick Facts
- Charter Number
- #68677
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- HELENA, Montana 59604
- Address
- PO BOX 7449
- Branches
- 2
- ATMs
- 1
- Members
- 4,368
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
4,368 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VOCAL |
|---|---|
| Total Assets | $51.5M |
| Members | 4,368 |
| Loans Outstanding | $31.0M |
| Shares & Deposits | $44.5M |
| Net Worth | $6.6M |
| Net Worth Ratio | 12.87% |
| Loan-to-Share Ratio | 69.8% |
| Delinquency Rate | 1.31% |
| Net Income | +$690,956 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Montana RankingsFrequently Asked Questions
Yes. VOCAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, VOCAL has 4,368 members and a potential membership field of 108,000 people.
VOCAL's net worth ratio is 12.87% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.9%, VOCAL meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or VOCAL. All financial data is for informational purposes only.