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National Credit Union Service Organization

VOCAL CREDIT UNION

Jun, 30, 2021 — VOCAL CREDIT UNION is a federally insured state chartered credit union headquartered in HELENA, MT with 2 branch locations and about $46.86 million in total assets. Opened 67 years ago in 1954, VOCAL CREDIT UNION has about 4,438 members and employs 15 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:4,438
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, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$46,861,155
CEO/Manager:Eddie Black
Chairperson:Pete Stiles

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 6,844,911
TOTAL INVESTMENTS 9,875,273
Loans Held for Sale 0
 
 Real Estate Loans 8,927,894
 Unsecured Loans 1,467,256
 Other Loans 15,635,709
 TOTAL LOANS 26,030,859
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -340,607
 Land And Building 2,532,083
 Other Fixed Assets 155,879
 NCUSIF Deposit 382,487
 All Other Assets 1,380,270
  TOTAL ASSETS 46,861,155
LIABILITIES & CAPITAL:  
 Dividends Payable 3,379
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 189,704
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 12,700,250
 Regular shares 22,130,550
 All Other Shares & Deposits 9,023,775
  TOTAL SHARES & DEPOSITS 43,854,575
  TOTAL LIABILITIES 44,047,658
 Regular Reserve 795,707
 Other Reserves 0
 Undivided Earnings 2,017,790
  TOTAL EQUITY 2,813,497
  TOTAL LIABILITIES, SHARES, & EQUITY 46,861,155
INCOME & EXPENSE  
 Loan Income 651,571
 Investment Income 21,122
 Other Income 164,339
 Total Employee Compensation & Benefits 497,259
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 362,286
 Non-operating Income & (Expense) -11,524
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 75,000
 Cost of Funds 26,736
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 31,836
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