| Weiss Ratings |
Vocal Credit Union
Helena, MT |
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| Rating | ||||
| Asset Quality Index | 10.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.30 | |||
| Profitability Index | 8.30 | |||
| Stability Index | 7.00 | |||
| Company Info |
Vocal Credit Union
Helena, MT |
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| NCUA Charter Number | 2019 | |||
| Phone Number | (406) 442-1421 | |||
| Website | vocal.coop/ | |||
| Asset Quality |
Vocal Credit Union
Helena, MT |
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| 1-Year Asset Growth | 3.65% | |||
| 5-Year Asset Growth | 8.78% | |||
| 5-Year Charge-Offs to Average Loans | 0.21% | |||
| Charge-Offs to Average Loans | 0.20% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 0.81% | |||
| Non-Performing Loans to Loans | 0.17% | |||
| Balance Sheet |
Vocal Credit Union
Helena, MT |
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| Total Assets | 49.95M | |||
| Total Deposits | 43.38M | |||
| Capital and Reserves |
Vocal Credit Union
Helena, MT |
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| Capital | 6.17M | |||
| Leverage Ratio | 12.36 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Liquidity |
Vocal Credit Union
Helena, MT |
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| Hot Money Ratio | 3.75% | |||
| Liquidity Ratio | 19.12% | |||
| Profitability |
Vocal Credit Union
Helena, MT |
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| 5-Year Return on Average Assets | 1.46% | |||
| Net Income | 147.00K | |||
| Net Interest Spread | 5.40% | |||
| Operating Profit to Average Assets | 1.36% | |||
| Overhead Efficiency Ratio | 77.35% | |||
| Return on Assets | 1.19% | |||
| Return on Equity | 9.64% | |||