credit union · NCUA 68677 · MT
How big is VOCAL?
VOCAL (MT, NCUA charter 68677) reported total assets of $52.6M, 4,362 members and a net worth ratio of 13.19% in its Call Report for 2026Q2. That ranks 2353 of 4,299 federally insured credit unions by assets, 533 of 573 among credit unions with $50m-$100m in assets, 21 of 41 credit unions in montana.
What stands out
VOCAL (MT, NCUA charter 68677) reported total assets of $52.6M, 4,362 members and a net worth ratio of 13.19% in its Call Report for 2026Q2. That ranks 2353 of 4,299 federally insured credit unions by assets, 533 of 573 among credit unions with $50m-$100m in assets, 21 of 41 credit unions in montana. Against its size class: net worth ratio 13.19%, above the peer median of 12.95%; loan-to-share ratio 72.31%, above the peer median of 60.93%; return on assets 1.16%, above the peer median of 0.73%. At 13.19% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $52.6M | $72.1M | $52.6M | $68.3M | record → |
| Shares and deposits | $45.2M | $61.4M | $45.2M | $58.3M | record → |
| Loans outstanding | $32.7M | $37.6M | $32.7M | $34.4M | record → |
| Net income (year to date) | $304.3k | $269.0k | $169.4k | $222.2k | record → |
| Net worth | $6.9M | $9.2M | $6.9M | $9.0M | record → |
| Net worth ratio | 13.19% | 12.95% | 11.96% | 12.65% | record → |
| Loan-to-share ratio | 72.31% | 60.93% | 71.19% | 68.70% | computed |
| Return on assets | 1.16% | 0.73% | 0.68% | 0.71% | computed |
| Members | 4,362 | 5,030 | 3,256 | 4,818 | record → |
Quarter by quarter
42 Call Reports on record, 2016Q1–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $52.6M | $45.2M | $32.7M | $304.3k | 13.19% | 4,362 | 2353 |
| 2026Q1 | $52.0M | $44.7M | $31.4M | $177.3k | 13.10% | 4,324 | 2370 |
| 2025Q4 | $51.5M | $44.5M | $31.0M | $607.0k | 12.87% | 4,368 | 2379 |
| 2025Q3 | $51.5M | $44.5M | $31.3M | $465.2k | 12.60% | 4,390 | 2396 |
| 2025Q2 | $49.1M | $42.4M | $32.7M | $306.9k | 12.90% | 4,368 | 2434 |
| 2025Q1 | $49.9M | $43.4M | $32.1M | $146.8k | 12.36% | 4,357 | 2439 |
| 2024Q4 | $49.2M | $42.8M | $32.6M | $571.0k | 12.24% | 4,345 | 2453 |
| 2024Q3 | $48.8M | $42.5M | $33.2M | $471.5k | 12.13% | 4,327 | 2468 |
| 2024Q2 | $47.0M | $40.7M | $33.9M | $327.0k | 12.30% | 4,291 | 2505 |
| 2024Q1 | $48.2M | $42.1M | $33.0M | $144.1k | 11.62% | 4,280 | 2505 |
| 2023Q4 | $48.5M | $42.7M | $32.6M | $429.1k | 11.25% | 4,345 | 2497 |
| 2023Q3 | $49.2M | $43.3M | $33.0M | $297.6k | 10.83% | 4,348 | 2488 |
| 2023Q2 | $48.6M | $43.0M | $32.4M | $167.9k | 10.75% | 4,315 | 2506 |
| 2023Q1 | $48.7M | $43.2M | $32.0M | $73.0k | 10.54% | 4,332 | 2521 |
| 2022Q4 | $49.9M | $44.6M | $31.8M | $251.2k | 10.13% | 4,253 | 2499 |
| 2022Q3 | $52.3M | $47.0M | $32.2M | $188.3k | 9.54% | 4,520 | 2481 |
| 2022Q2 | $51.0M | $45.8M | $31.3M | $97.0k | 9.62% | 4,481 | 2515 |
| 2022Q1 | $51.8M | $46.7M | $29.1M | $41.8k | 9.36% | 4,446 | 2500 |
| 2021Q4 | $50.4M | $45.4M | $27.4M | $2.0M | 9.53% | 4,413 | 2514 |
| 2021Q3 | $48.4M | $43.4M | $26.7M | $1.9M | 9.74% | 4,406 | 2551 |
| 2021Q2 | $46.9M | $43.9M | $26.0M | $31.8k | 6.00% | 4,438 | 2579 |
| 2021Q1 | $45.5M | $42.5M | $24.8M | $34.2k | 6.18% | 4,406 | 2613 |
| 2020Q4 | $42.0M | $39.0M | $24.6M | $158.3k | 6.62% | 4,354 | 2631 |
| 2020Q3 | $38.8M | $35.8M | $24.3M | $128.6k | 7.03% | 4,344 | 2689 |
| 2020Q2 | $37.8M | $34.9M | $24.1M | $71.9k | 7.06% | 4,316 | 2708 |
| 2020Q1 | $34.1M | $31.2M | $23.9M | $48.9k | 7.83% | 4,281 | 2748 |
| 2019Q4 | $32.3M | $29.5M | $24.0M | $252.9k | 8.11% | 4,375 | 2789 |
| 2019Q3 | $32.3M | $29.5M | $23.9M | $215.4k | 7.99% | 4,335 | 2788 |
| 2019Q2 | $32.2M | $29.4M | $25.0M | $187.0k | 7.85% | 4,315 | 2807 |
| 2019Q1 | $32.5M | $29.8M | $25.0M | $70.1k | 7.48% | 4,297 | 2805 |
| 2018Q4 | $31.6M | $28.9M | $25.2M | $234.1k | 7.50% | 4,253 | 2823 |
| 2018Q3 | $33.8M | $30.6M | $25.1M | $160.7k | 6.79% | 4,206 | 2747 |
| 2018Q2 | $31.6M | $29.0M | $24.0M | $92.1k | 7.05% | 4,141 | 2846 |
| 2018Q1 | $31.1M | $28.4M | $22.8M | $69.9k | 7.09% | 4,067 | 2877 |
| 2017Q4 | $31.2M | $28.8M | $22.3M | $62.9k | 6.83% | 4,018 | 2840 |
| 2017Q3 | $28.9M | $25.9M | $22.1M | $148.8k | 7.46% | 3,925 | 2966 |
| 2017Q2 | $27.4M | $25.0M | $18.1M | $79.6k | 7.62% | 3,382 | 3065 |
| 2017Q1 | $26.0M | $23.5M | $16.9M | $48.0k | 7.93% | 3,398 | 3129 |
| 2016Q4 | $25.4M | $23.2M | $16.7M | $41.5k | 7.91% | 3,382 | 3133 |
| 2016Q3 | $25.5M | $23.3M | $16.7M | $-42.5k | 7.55% | 3,360 | 3138 |
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