Vocal
Vocal is a credit union based in Helena, Montana, established in 1954, with $52 million in total assets serving 4,324 members. By Trust Grade it ranks 9th of 41 credit unions we track in Montana. Its net worth ratio of 13.1% trails most similarly sized credit unions (41th percentile), versus a Montana median of 11.9%. It was profitable over the most recent period, with a 1.36% return on assets. No consumer complaints against Vocal appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Vocal compares to Montana peers
How we graded Vocal
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.1% capital ratio)
- Strongly profitable (ROA 1.36%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Vocal over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Vocal insured?
Yes. Vocal is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Vocal: frequently asked questions
Is Vocal a good credit union?
Vocal earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.1% capital ratio); Strongly profitable (ROA 1.36%).
Is Vocal NCUA-insured?
Yes. Vocal is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Vocal?
Vocal holds $52 million in total assets, ranking 9th of 41 credit unions we track in Montana. It serves 4,324 members.
Does Vocal have CFPB complaints?
No CFPB complaints against Vocal appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
