BlastPoint's Credit Union Scorecard
VOCAL
Charter #68677 · MT
VOCAL has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.69% above tier average
- + Fee Income Per Member: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +6.8% year over year ($45.2M in shares and deposits).
- Membership: 4,362 members, -0.1% vs a year ago.
- Delinquency rate 0.40%.
- Return on assets 1.16%.
- Efficiency ratio 79.00% vs a 88.77% peer average.
- Loan-to-share ratio 72.31% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,362
-0.1% YoY+0.9% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$52.6M
+7.1% YoY+1.2% QoQ
|
+$22.3M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$32.7M
+0.1% YoY+4.3% QoQ
|
+$17.3M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Top 14.9% in tier |
| Deposits |
$45.2M
+6.8% YoY+1.1% QoQ
|
+$19.4M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
1.2%
-6.0% YoY-14.7% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
4.6%
-0.5% YoY-0.4% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
79.0%
+2.7% YoY+4.4% QoQ
|
-9.8% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.4%
-65.4% YoY-61.0% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
72.3%
-6.3% YoY+3.1% QoQ
|
+13.4% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$17,873
+4.1% YoY+1.5% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
13.1%
+4.9% YoY+5.5% QoQ
|
-11.4% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)