BlastPoint's Credit Union Scorecard
VOCAL
Charter #68677 · MT
VOCAL demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Interest Margin 0.60% above tier average
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,368
+0.5% YoY-0.5% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$51.5M
+4.7% YoY+0.1% QoQ
|
+$21.4M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$31.0M
-4.8% YoY-0.8% QoQ
|
+$15.3M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$44.5M
+3.9% YoY-0.1% QoQ
|
+$18.8M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
1.2%
+1.2% YoY-4.4% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
4.6%
+0.9% YoY-0.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
77.8%
-0.6% YoY+1.1% QoQ
|
-4.7% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.3%
+290.2% YoY+18.3% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
69.8%
-8.3% YoY-0.8% QoQ
|
+9.2% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$17,287
-0.4% YoY+0.1% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
12.4%
+14.6% YoY-0.3% QoQ
|
-12.1% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.1% | 7.8% | 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)