Feedback
Share
Link
Link copied!
Asset Brief
Vocal Credit Union
Credit Union Finder
Explore
Search
Asset Brief
More
About Asset Brief
Copyright © 2022 assetbrief.com and Spring Launch Media LLC. All Rights Reserved.

All content on this website ("the Site") is the property of Spring Launch Media LLC. The collection and assembly of content on this Site are the exclusive property of Spring Launch Media LLC and are protected by copyright and other intellectual property laws. Credit union and bank data is publicly sourced from the U.S. government. None are affiliated with Asset Brief. assetbrief.com is an independent, advertising-supported publisher. We work hard to keep our information accurate and up to date, but do not guarantee accuracy of information. You may see different information when you visit a specific product’s site. assetbrief.com does not warrant or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed. assetbrief.com does not assume any responsibility for any aspect of financial decisions taken based on the contents provided on this Site. When considering offers, please review all Terms and Conditions with the offering institution. Our content is not intended to provide investment advice. assetbrief.com is compensated through display advertising and offers from our partners. Many or all of the products features may be from our partners, and advertising may impact on where, how, and the order in which products appear on this Site. AssetBrief does not include all companies or all available products. However, this does not influence our editorial content or our advice, which are based on industry knowledge and many many hours of research. assetbrief.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Vocal Credit Union Share
Link
Link copied!

Table of Contents
Map Loading...
Overview Share
Link
Link copied!
Back to Top

Vocal Credit Union is a federally insured state credit union based in Helena, Montana. It has been opened since 1954, for 68 years.

With around $31,580,000 in assets, Vocal Credit Union is considered to be an average size credit union. It has 2 branches and 1 ATM locations.

About Share
Link
Link copied!
Address Po Box 7449
Helena, Montana 59604
Website http://www.vocal.coop
Phone (406) 442-1421
Fax (406) 442-6123
CEO Eddie Black
President of the Board Pete Stiles
Services Offered
Score Card Share
Link
Link copied!
Back to Top
68 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
4,253 members
Membership type: State chartered natural person credit union
Average number of members
327:1
Credit union member to staff ratio
327 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$31,580,030
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 2 in Montana
Above average number of branches
10.91%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
Link
Link copied!
Back to Top
2 branches
Compared with an average of 4 nationally and 2 in Montana
Above average number of branches
Vocal Credit Union Branch Locations

Vocal Credit Union: White Sulphur Springs Branch
4261 US Highway 12 E.
White Sulphur Springs, Montana 59645
No ATM
Vocal Credit Union: 2910 Prospect Avenue
2910 Prospect Avenue
Helena, Montana 59601
ATM Available
Members Share
Link
Link copied!
Back to Top
4,253 members
Membership type: State chartered natural person credit union
Average number of members

With 4,253 members, the Vocal Credit Union is considered to be a medium size credit union. It is larger than 53% of credit unions.

Fees Share
Link
Link copied!
Back to Top
$94
Average fee per member
The average fee per member at the Vocal Credit Union is $94, which is very high compared to most credit unions. This rate is higher than 82% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Vocal Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
Link
Link copied!
Back to Top
327:1
Credit union member to staff ratio
327 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
13 staff members
FTE (full-time equivalent)
14% of employees are part-time
12 full-time, 2 part-time

Vocal Credit Union has 12 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 86% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Vocal Credit Union has around 327 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
Link
Link copied!
Back to Top
$31,580,030
Total assets
Average size
Net worth Share
Link
Link copied!
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
7.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
Link
Link copied!
Back to Top
$11,312
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 60% of credit unions.

Vocal Credit Union holds a total of $25,170,000 in loans and leases, which is about $11,312 per member on average.

Savings interest rate Share
Link
Link copied!
Back to Top
Loan rates Share
Link
Link copied!
Back to Top
10.91%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.90%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
8.37%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
Link
Link copied!
Back to Top
4.12%
New car loan rate
Compared to 4.0% nationally
6.27%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
Link
Link copied!
Back to Top
6.44%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
6.01%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

Additional Credit Unions

See all...
Rocky Mountain Credit Union
Credit Union: Well Capitalized Helena, Montana 21615.0 $245 million Well Capitalized
Community 1st Credit Union
Credit Union: Well Capitalized Miles City, Montana 3488.0 $28 million Well Capitalized
Fergus Credit Union
Credit Union: Well Capitalized Lewistown, Montana 5747.0 $69 million Well Capitalized
Altana Credit Union
Credit Union: Well Capitalized Billings, Montana 20107.0 $262 million Well Capitalized
Mccone County Credit Union
Credit Union: Well Capitalized Circle, Montana 3502.0 $81 million Well Capitalized
Billings Credit Union
Credit Union: Well Capitalized Billings, Montana 9557.0 $148 million Well Capitalized
Wolf Point Credit Union
Credit Union: Well Capitalized Wolf Point, Montana 2788.0 $14 million Well Capitalized
Tricounty Credit Union
Credit Union: Well Capitalized Harlowton, Montana 483.0 $1 million Well Capitalized
Northwestern Energy Employees Credit Union
Credit Union: Well Capitalized Butte, Montana 3183.0 $30 million Well Capitalized
Ravalli County Credit Union
Credit Union: Well Capitalized Hamilton, Montana 4863.0 $44 million Well Capitalized

Additional Credit Unions

See all...
Russell Country Credit Union
Credit Union: Well Capitalized Great Falls, Montana 8821.0 $74 million Well Capitalized
Montana Credit Union
Credit Union: Well Capitalized Great Falls, Montana 21887.0 $241 million Well Capitalized
Whitefish Credit Union Association
Credit Union: Well Capitalized Whitefish, Montana 55750.0 $1 billion Well Capitalized
Froid Credit Union
Credit Union: Well Capitalized Froid, Montana 222.0 $1 million Well Capitalized
Shelby Community Credit Union
Credit Union: Well Capitalized Shelby, Montana 1060.0 $5 million Well Capitalized
Mountain West Credit Union
Credit Union: Well Capitalized Butte, Montana 1321.0 $9 million Well Capitalized
Embark Credit Union
Credit Union: Well Capitalized Great Falls, Montana 9744.0 $105 million Well Capitalized
Southwest Montana Community Credit Union
Credit Union: Well Capitalized Anaconda, Montana 7327.0 $111 million Well Capitalized
Fort Peck Community Credit Union
Credit Union: Well Capitalized Fort Peck, Montana 1399.0 $13 million Well Capitalized
Richland Credit Union
Credit Union: Well Capitalized Sidney, Montana 4970.0 $90 million Well Capitalized

Other Credit Unions

See all...
Rimrock Credit Union
Credit Union: Well Capitalized Billings, Montana 3588.0 $39 million Well Capitalized
Badlands Credit Union
Credit Union: Well Capitalized Glendive, Montana 2431.0 $29 million Well Capitalized
Miles City Credit Union
Credit Union: Well Capitalized Miles City, Montana 441.0 $4 million Well Capitalized
Intrepid Credit Union
Credit Union: Well Capitalized Helena, Montana 16396.0 $208 million Well Capitalized
M D U Employees Credit Union
Credit Union: Well Capitalized Glendive, Montana 589.0 $4 million Well Capitalized
Daniels-Sheridan Credit Union
Credit Union: Well Capitalized Scobey, Montana 3056.0 $52 million Well Capitalized
Montana Health Credit Union
Credit Union: Adequately Capitalized Billings, Montana 4014.0 $38 million Adequately Capitalized
Park Side Financial Credit Union
Credit Union: Well Capitalized Whitefish, Montana 26666.0 $237 million Well Capitalized
Deer Lodge County School Emp Credit Union
Credit Union: Well Capitalized Anaconda, Montana 502.0 $6 million Well Capitalized
Northern Montana Hospital Credit Union
Credit Union: Well Capitalized Havre, Montana 235.0 $861k Well Capitalized

All of Asset Brief

See all...

Similar Credit Unions to Vocal Credit Union

See all...
National Association Credit One Bank
Bank: Las Vegas, Nevada 122402133.0
Credit First National Association
Bank: Brook Park, Ohio 41202980.0
Vocal Credit Union: White Sulphur Springs Branch
Credit Union Branch: 4261 US Highway 12 E.
White Sulphur Springs, Montana 59645 No ATM
Vocal Credit Union: 2910 Prospect Avenue
Credit Union Branch: 2910 Prospect Avenue
Helena, Montana 59601 ATM Available
Local #673 Credit Union: Local 673
Credit Union Branch: 8356 Munson Road
Mentor, Ohio 44060 No ATM
First Credit Bank
Bank: West Hollywood, California 122237599.0
Vocal Credit Union: 2910 Prospect Avenue ATM
Credit Union ATM: 2910 Prospect Avenue
Helena, Montana 59601
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Vocal Credit Union
Credit Union: Well Capitalized Helena, Montana 4253.0 $32 million Well Capitalized