# VOCAL
HELENA, MT · NCUA charter 68677 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vocal-68677

Who the members are: state charter, organized 1954. 4,324 members of 108,000 potential (4.0% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $52.0M |
| Members | 4,324 (-0.8% YoY) |
| Full-time staff | 13 |
| Net worth | $6.8M |
| Net worth ratio | 13.1% (p53 of band) |
| ROA (annualized) | 1.36% (p81 of band) |
| Total delinquency | 1.03% (p73 of band) |
| Net charge-offs (annualized) | 0.12% (p36 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 28.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.61% (p90 of band) |
| Operating expense / assets | 4.60% (p80 of band) |
| Vehicles % of loans | 30% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.35% (p37 of band) |
| Vehicle NCO | 0.78% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 60% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 12% |
| Average share balance | $5,269 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $17,695 |
| Loans granted, annualized | $14.7M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | losing money |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 1 |  | losing money, net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | net worth falling |  |
| 2017-12 | 4 | capital below 7% |  |
| 2018-03 | 2 | delinquency rising | net worth falling, capital below 7% |
| 2018-06 | 2 |  |  |
| 2018-09 | 5 | capital below 7%, net worth falling |  |
| 2018-12 | 2 |  | capital below 7%, net worth falling |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | assets shrinking |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 5 | capital below 7% |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 2 | delinquency rising | thin capital, net worth falling, capital below 7% |
| 2021-12 | 3 | delinquency 2x band |  |
| 2022-03 | 2 | net worth falling | margin squeeze, delinquency 2x band |
| 2022-06 | 0 |  | delinquency rising, net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | members leaving |  |
| 2023-03 | 1 | assets shrinking | members leaving |
| 2023-06 | 2 | members leaving |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 | delinquency 2x band | assets shrinking, members leaving |
| 2024-03 | 1 |  | delinquency 2x band |
| 2024-06 | 1 | assets shrinking | delinquency rising |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-05 [Business Briefcase: New PA at St. Peter's, Vocal Credit Union appoints CEO, life insurance tool - The Independent Record](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcEF2RS00Q0dlT3pMU3k2ZkVxbS1jNHZ1c2d0UVAtVFpLWWlXSk56LTZKaXJQbDdkandYOGVOUm9QVXAzb0RJU19XcmxkLXFaYlhqWVYxVGFnYmdCaUxnVEo5SGd5Y3RvX1NmUGdzb2NFNVZlb2x2OE10a1FJOFZzYUQ1VzFZQWwxMzFBU0hIT0pCaTFm?oc=5) · The Independent Record
- 2025-06-30 [Watch Jinjer’s One-Take Vocal Performance Video Of Tatiana Shmayluk Taking On “Hedonist” - Wildfire Music + News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPbWFKT1dvYzVNWkpvdzBDeUdQZF9TNmt5aHFDVUQyRzFzNFFVcE1WWklhNFU2YTZYM3VudUFxUGlZanQ0QnNuZWstZDB0VVVCSEZUdDcxQUtjOTV6Ry1MbmVRdEVYYlhKdW5GNUZ4YTJyZFREVWc4NUNTcFVUVXYxOW9QYVk2T0xWTUt5ZVE1M1loOVpSMzBXQWVSSlAyaE04djlfNDdYbVp3YjFYTnU3ZE1jUW0yRGF5VW1NNV9YMXM?oc=5) · Wildfire Music + News
- 2021-09-14 [White Sulphur Springs football rallies for Dave Ringer - MontanaSports.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPN0VaV3RDMVNqQ3VuMVNrNkVjUEVJdDZjcENaR0Qtd2h0dEE2dmNNRV94d2U3ZHlnYjBrT3p1dFNxMWsxdndTTGRzUTlnRVBKTUR3dThCUlg0T3VvR0k1Y2hvUG9Sbi0zOUwzLWl2aGFiaXc5RG5GdjVzOU1XMjVTWk9Qb25LS3RfMEJtbTFEZFVRQWZuVkN2N3Zad2tTT0JKY29oVUVUZmM4TnpaaS1fNkpORDM?oc=5) · MontanaSports.com
- 2024-08-27 [Hozier Postpones Pair of Shows Amid Vocal Issues - TicketNews](https://news.google.com/rss/articles/CBMijAFBVV95cUxQaktVT0JScmd4VGtkZDJSYU1YVUVWQVdaN04zc1pRVWxsZGF1Q3R1bVV0OF9YcHFrWFdZb3FrRHpBeGI0QThkV2RDX1J1LUVBM0pqcEZ3RXczbXp5QXJLemRVa3owbVpDSTF3RVl5Z3B3VHhPN2g3MlNHQUNIUjYyZEMyVkdhODBTQ21aZg?oc=5) · TicketNews

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68677 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/5.json (key "68677", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68677
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide