Vocal

HELENA, MT · 2 · Charter #68677 · www.vocal.coop
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$51.5M
2th percentile
Members
4,368
18th percentile
Total loans
$31.0M
16th percentile
Total shares
$44.5M
3th percentile

Profitability

Return on assets
1.34%
69th percentile
Net interest margin
4.55%
89th percentile
Efficiency ratio
70.34%
26th percentile
Non-interest income ratio
22.36%
75th percentile

Capital & Risk

Net worth ratio
12.87%
59th percentile
Delinquency rate
1.31%
22th percentile
Net charge-off rate
0.24%
60th percentile
Loan-to-share
69.77%
53th percentile

Growth

Member growth YoY
0.53%
65th percentile
Asset growth YoY
4.71%
58th percentile
Loan growth YoY
-4.76%
19th percentile
Share growth YoY
3.87%
55th percentile

Operations

Members / branch
2,184
26th percentile
Assets / member
$11,798
26th percentile
Field of membership penetration
4.04%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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