VOCALITY COMMUNITY CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.vocalityccu.org for more information.
Sep, 30, 2025 — VOCALITY COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in GARBERVILLE, CA with 2 branch locations and about $169.85 million in total assets. Opened 46 years ago in 1980, VOCALITY COMMUNITY CREDIT UNION has about 8,933 members and employs 51 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VOCALITY COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 757 REDWOOD DRIVE GARBERVILLE, CA 95542 |
| Phone: | (707) 923-2012 |
| Fax: | (707) 923-4199 |
| Website: | https://www.vocalityccu.org |
| Branches: | 2 branch locations |
| Members: | 8,933 |
| 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, 2021 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $169,848,616 |
| CEO/Manager: | Patricia H Neighbors |
| Chairperson: | Marcia Mendels |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,518,388 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 68,082,413 |
| Unsecured Loans | 3,614,300 |
| Other Loans | 71,490,482 |
| TOTAL LOANS | 143,303,171 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -680,514 |
| Land And Building | 1,381,095 |
| Other Fixed Assets | 2,033,662 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,150,249 |
| All Other Assets | 159,697 |
| TOTAL ASSETS | 169,848,616 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 14,000,000 |
| Accounts Payable & Other Liabilities | 2,514,627 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 70,927,391 |
| Regular shares | 3,352,005 |
| All Other Shares & Deposits | 64,471,393 |
| TOTAL SHARES & DEPOSITS | 138,750,789 |
| TOTAL LIABILITIES | 155,265,416 |
| Regular Reserve | 0 |
| Other Reserves | 386,070 |
| Undivided Earnings | 14,197,130 |
| TOTAL EQUITY | 14,583,200 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 169,848,616 |
| INCOME & EXPENSE | |
| Loan Income | 4,510,418 |
| Investment Income | 211,999 |
| Other Income | 1,039,291 |
| Total Employee Compensation & Benefits | 3,398,636 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,376,832 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 644,835 |
| Cost of Funds | 635,762 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -543,332 |
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