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VOCAL CREDIT UNION

Mar, 31, 2022 — VOCAL CREDIT UNION is a federally insured state chartered credit union headquartered in HELENA, MT with 2 branch locations and about $51.76 million in total assets. Opened 68 years ago in 1954, VOCAL CREDIT UNION has about 4,446 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)
2910 Prospect Ave
HELENA, MT 59601-9726
Phone:(406) 442-1421
Fax:(406) 442-6123
Website:http://www.vocal.coop
Branches:2 branch locations
Members:4,446
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, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$51,762,453
CEO/Manager:Eddie Black
Chairperson:Scott Dixon

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 5,142,796
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 10,849,645
 Unsecured Loans 1,184,894
 Other Loans 17,016,241
 TOTAL LOANS 29,050,780
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -311,821
 Land And Building 2,487,866
 Other Fixed Assets 156,582
 NCUSIF Deposit 382,487
 All Other Assets 0
  TOTAL ASSETS 51,762,453
LIABILITIES & CAPITAL:  
 Dividends Payable 3,297
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 222,278
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 13,393,893
 Regular shares 23,779,576
 All Other Shares & Deposits 9,516,574
  TOTAL SHARES & DEPOSITS 46,690,043
  TOTAL LIABILITIES 46,915,618
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 4,846,835
  TOTAL EQUITY 4,846,835
  TOTAL LIABILITIES, SHARES, & EQUITY 51,762,453
INCOME & EXPENSE  
 Loan Income 335,788
 Investment Income 13,460
 Other Income 101,668
 Total Employee Compensation & Benefits 276,041
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 181,527
 Non-operating Income & (Expense) -10,258
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 12,000
 Cost of Funds 13,764
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 41,800
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