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Overview / Commentary
406-442-1421
2910 Prospect Ave
Helena, MT 59601-9726

Vocal Credit Union is headquartered in Helena and is the 25th largest credit union in the state of Montana. It is also the 2,877th largest credit union in the nation. It was established in 1954 and as of March of 2018, it had grown to 13 employees and 4,067 members at 2 locations. Vocal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Jefferson, Lewis and Clark, or Broadwater Counties in Montana.
See current membership details

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Vocal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #68677
Year Chartered1954
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD12.51%
Annual Interest Income$309.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$31.1MM$26.0MM
LoansQ1 2018vs Q1 2017$22.8MM$16.9MM
DepositsQ1 2018vs Q1 2017$28.4MM$23.5MM
Equity CapitalQ1 2018vs Q1 2017$2.2MM$2.1MM
Loan Loss AllowanceQ1 2018vs Q1 2017$143.00K$107.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$178.00K$41.00K
Real Estate OwnedQ1 2018vs Q1 2017$45.00K$45.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vocal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$20k*-IRA Share Account
OTHER TIERS: 0.50% Up to $20k
0.05%--Base Shares
0.05%--Auxiliary Shares
0.05%--Club Account
0.05%--Medical Savings Account

Vocal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$20k*-Money Market Account
OTHER TIERS: 0.05% Up to $20k

Vocal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
1.00%$500-48 Month CD
0.60%$500-36 Month CD
0.35%$500-24 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD
Locations


Vocal Credit Union Locations
Branch Office2910 Prospect AveHelena, MT 59601-9726
Branch Office4261 US Highway 12 EWhite Sulphur Springs, MT 59645

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