Headquartered in Helena, Montana, Vocal Credit Union is a federally insured state-chartered credit union with $52.6M in total assets and $45.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.
Based on its Q2 2026 filing, Vocal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 13th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (66/100; 1.16%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (74 → 82), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 81 |
| Q4 2024 | 79 |
| Q1 2025 | 82 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 73 |
| Q1 2026 | 78 |
| Q2 2026 | 82 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.30% |
| Q3 2024 | 12.13% |
| Q4 2024 | 12.24% |
| Q1 2025 | 12.36% |
| Q2 2025 | 12.90% |
| Q3 2025 | 12.60% |
| Q4 2025 | 12.87% |
| Q1 2026 | 13.10% |
| Q2 2026 | 13.19% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.16% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.03% |
| Q2 2026 | 0.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.18% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $52.6M | 13.19% | 0.40% | 1.16% | 72.3% |
| Q1 2026 | 78 | $52.0M | 13.10% | 1.03% | 1.36% | 70.1% |
| Q4 2025 | 73 | $51.5M | 12.87% | 1.31% | 1.18% | 69.8% |
| Q3 2025 | 75 | $51.5M | 12.60% | 1.11% | 1.20% | 70.3% |
| Q2 2025 | 74 | $49.1M | 12.90% | 1.16% | 1.25% | 77.1% |
| Q1 2025 | 82 | $49.9M | 12.36% | 0.16% | 1.18% | 74.0% |
| Q4 2024 | 79 | $49.2M | 12.24% | 0.34% | 1.16% | 76.1% |
| Q3 2024 | 81 | $48.8M | 12.13% | 0.15% | 1.29% | 78.1% |
| Q2 2024 | 81 | $47.0M | 12.30% | 0.30% | 1.39% | 83.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community 1st Federal Credit UnionCredit union Miles City, MT | 58 out of 100, Moderate | $43.2M | 11.1% | 1.60% | vs |
| Rimrock Credit UnionCredit union Billings, MT | 93 out of 100, Very strong | $64.0M | 15.0% | 0.15% | vs |
| Butte Community Federal Credit UnionCredit union Butte, MT | 57 out of 100, Moderate | $37.7M | 7.8% | 0.41% | vs |
| Badlands Federal Credit UnionCredit union Glendive, MT | 54 out of 100, Below average | $37.6M | 8.1% | 1.45% | vs |
| Montana Educators' Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $35.3M | 10.0% | 0.38% | vs |
| Northwestern Energy Employees Federal Credit UnionCredit union Butte, MT | 72 out of 100, Strong | $35.3M | 10.9% | 0.12% | vs |
Deposit insurance
Is my money safe at Vocal Credit Union?
Yes. Vocal Credit Union is a federally insured credit union (NCUA charter #68677). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.4% of shares and deposits ($649K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Vocal Credit Union lists 1 office in 1 city. Most locations:
- Helena, MT (1)
Identity & history
Profile
- Legal name
- Vocal Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68677
- RSSD ID
- 956880
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- Po Box 7449, Helena, MT 59604
- Employees
- 13
Quick answers
Vocal Credit Union: common questions
Is Vocal Credit Union NCUA insured?
Yes. Vocal Credit Union is a federally insured credit union (NCUA charter #68677). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Vocal Credit Union's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Vocal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Helena
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Intrepid Credit UnionCredit union Helena, MT | 71 out of 100, Strong | $310.8M | 11.1% | 0.44% | vs |
| Opportunity Bank of MontanaBank Helena, MT | 71 out of 100, Strong | $2.1B | 10.9% | 0.26% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |