Vocality Community Credit Union
Vocality Community Credit Union is headquartered in Garberville and is the 140th largest credit union in the state of California. It is also the 1,628th largest credit union in the nation. It was established in 1980 and as of March of 2025, it had grown to 29 employees and 8,305 members at 3 locations. Vocality Community Credit Union has a C health rating.
Field of Membership Restrictions
Membership in Vocality Community Credit Union is open to those who live or work in Humboldt, Lake, Mendocino, Sonoma, or Trinity Counties, California.
See current membership details
Excellent Asset Credit Established Equity
Entering our second merger holding satisfactory accounts with them since february 2015.
Building strong capital together. Laying it on the table. Agreeing on all sides in all financial regulations room for everyone at the table community strong.
Continuously successful.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 65388 |
| Year Chartered | 1980 |
| Employees | 29 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.61% |
| Return on Equity - YTD | -9% |
| Annual Interest Income | $1.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $126.4MM$150.1MM |
| Loans | Q1 2025vs Q1 2024 | $103MM$121MM |
| Deposits | Q1 2025vs Q1 2024 | $116MM$139MM |
| Equity Capital | Q1 2025vs Q1 2024 | $8.9MM$9.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.9MM$2.7MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $2.3MM$3.4MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $730K$1.3MM |