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VOCAL CREDIT UNION

Dec, 31, 2020 — VOCAL CREDIT UNION is a federally insured state chartered credit union headquartered in HELENA, MT with 2 branch locations and about $41.98 million in total assets. Opened 67 years ago in 1954, VOCAL CREDIT UNION has about 4,354 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:VOCAL CREDIT UNION
Address:
(Main Office)
PO BOX 7449
HELENA, MT 59604
Phone:(406) 442-1421
Fax:(406) 442-6123
Website:http://www.vocal.coop
Branches:2 branch locations
Members:4,354
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68677
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1954
Last Audited:Jan 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$41,984,571
CEO/Manager:Eddie Black
Chairperson:Pete Stiles

Call Report

  • Commercial Loans
  • Credit Builder
  • Overdraft Protection
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Health Savings Accounts
  • Individual Development Accounts
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 6,337,694
TOTAL INVESTMENTS 6,875,658
Loans Held for Sale 0
 
 Real Estate Loans 8,168,584
 Unsecured Loans 1,298,455
 Other Loans 15,180,532
 TOTAL LOANS 24,647,571
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -279,575
 Land And Building 2,561,766
 Other Fixed Assets 186,737
 NCUSIF Deposit 293,732
 All Other Assets 1,360,988
  TOTAL ASSETS 41,984,571
LIABILITIES & CAPITAL:  
 Dividends Payable 3,486
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 168,380
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 11,392,043
 Regular shares 19,697,182
 All Other Shares & Deposits 7,941,820
  TOTAL SHARES & DEPOSITS 39,031,045
  TOTAL LIABILITIES 39,202,911
 Regular Reserve 761,842
 Other Reserves 0
 Undivided Earnings 2,019,818
  TOTAL EQUITY 2,781,660
  TOTAL LIABILITIES, SHARES, & EQUITY 41,984,571
INCOME & EXPENSE  
 Loan Income 1,341,278
 Investment Income 81,054
 Other Income 665,880
 Total Employee Compensation & Benefits 941,133
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 709,695
 Non-operating Income & (Expense) -19,858
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 203,000
 Cost of Funds 56,202
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 158,324
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