Vocal CU
Credit union in Helena, MT · NCUA charter #68677 · State charter (federally insured)
Legal name: Vocal
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $52.6M |
| Total loans & leases | $32.7M |
| Total shares & deposits | $45.2M |
| Members | 4,362 |
| Net worth | $6.9M |
| Net worth / assets | 13.19% |
| Loans / assets | 62.20% |
| Return on assets (annualized) | 1.16% |
| Loan growth (YoY) | 0.14% |
| Member growth (YoY) | −0.14% |
| Delinquency, all loans (60+ days) | 0.40% |
| Charter | State charter (federally insured) |
| Asset band | $50M–$250M |
| NCUA peer group | $50M–$100M |
| Sponsor type | Community (inferred from the name) |
AI readiness
No public evidence
Nothing public says the credit union uses AI.
No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.
Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online loan payments, bill payment, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.
The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.
In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.
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