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VOCALITY COMMUNITY CREDIT UNION

Dec, 31, 2023 — VOCALITY COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in GARBERVILLE, CA with 2 branch locations and about $156.44 million in total assets. Opened 44 years ago in 1980, VOCALITY COMMUNITY CREDIT UNION has about 9,886 members and employs 36 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 321180874
Name:VOCALITY COMMUNITY CREDIT UNION
Address:
(Main Office)
757 Redwood Dr
GARBERVILLE, CA 95542-3116
Phone:(707) 923-2012
Fax:(707) 923-4199
Website:https://www.vocalityccu.org
Branches:2 branch locations
Members:9,886
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:65388
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1980
Last Audited:Dec 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$156,437,697
CEO/Manager:Patricia H Neighbors
Chairperson:Marcia Mendels

Call Report

  • Credit Builder
  • First Time Homebuyer Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 14,719,800
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 62,777,140
 Unsecured Loans 3,675,861
 Other Loans 59,363,614
 TOTAL LOANS 125,926,607
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,952,028
 Land And Building 1,128,092
 Other Fixed Assets 1,837,897
 NCUSIF Deposit 1,217,865
 All Other Assets 1,450,149
  TOTAL ASSETS 156,437,697
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 10,000,000
 Accounts Payable & Other Liabilities 1,638,594
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 53,709,554
 Regular shares 2,069,568
 All Other Shares & Deposits 79,385,694
  TOTAL SHARES & DEPOSITS 135,164,816
  TOTAL LIABILITIES 146,803,410
 Regular Reserve 0
 Other Reserves 449,261
 Undivided Earnings 9,185,026
  TOTAL EQUITY 9,634,287
  TOTAL LIABILITIES, SHARES, & EQUITY 156,437,697
INCOME & EXPENSE  
 Loan Income 6,496,840
 Investment Income 782,443
 Other Income 1,196,964
 Total Employee Compensation & Benefits 3,666,929
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,230,780
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 2,948,877
 Cost of Funds 2,346,499
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -3,167,685
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