VOCAL
Helena, MT · State Credit Union · Chartered in MT
Who can join
State government employees (special charter)
Members
4,324
Net Worth Ratio
13.10%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$52.0M
Peer Group 4
Members
4,324
as of latest quarter
Net Worth Ratio
13.10%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$52.0M
Total Shares
$44.7M
Total Loans
$31.4M
Net Income
$177K
Net Worth Ratio
13.10%
≥7% = Well Capitalized
Members
4,324
Return on Assets
0.34%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.08%
$26K
Loan-to-share ratio: 70.1%· healthy range 60–80%
Branch Locations
NCUA2910 Prospect Ave
2910 Prospect Ave, Helena, MT, 59601-9726
7:30am-5:30pm M-Th, 7:30am-6:00pm Fri, 9:00am-1:00pm Sat.
White Sulphur Springs Branch
4261 US Highway 12 E, White Sulphur Springs, MT, 59645
Mon-Friday 8:30 to 4:00
Mortgage Lending (HMDA)
No HMDA mortgage lending data on record for this credit union.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/vocal" target="_blank" rel="noopener">View VOCAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.