BlastPoint's Credit Union Scorecard

VOCAL

Charter #68677 · MT

<100M

2508 CUs in <100M nationally 24 in MT

VOCAL demonstrates 3 strengths

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.22% above tier average
+ Net Interest Margin 0.60% above tier average
+ Fee Income Per Member: Top 7.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	4,324 -0.8% YoY-1.0% QoQ	+1.6K	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	82%
Assets	$52.0M +4.0% YoY+0.8% QoQ	+$21.8M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	78%
Loans	$31.4M -2.3% YoY+1.1% QoQ	+$16.1M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	84%
Deposits	$44.7M +3.2% YoY+0.6% QoQ	+$19.0M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	78%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.4% +15.3% YoY+15.8% QoQ	+1.2%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	82%
NIM	4.6% +1.2% YoY+1.2% QoQ	+0.6%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	75.6% -2.3% YoY-2.8% QoQ	-15.0%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	1.0% +526.6% YoY-21.5% QoQ	-0.5	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	64%
Loan To Share	70.1% -5.3% YoY+0.5% QoQ	+11.6%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	68%
AMR	$17,604 +1.6% YoY+1.8% QoQ	+$3K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	68%
CD Concentration	12.4% +3.5% YoY+0.8% QoQ	-11.8%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

186

Fee Income Per Member

profitability

Value: $176.35

Peer Median: $60.42

#186 of 2508 Top 7.4% in <100M tier

399

Total Loans

balance_sheet

Value: $31.37M

Peer Median: $9.48M

#399 of 2508 Top 15.9% in <100M tier

460

Total Members

engagement

Value: 4,324

Peer Median: 1,918

#460 of 2508 Top 18.3% in <100M tier

463

Return on Assets (ROA)

profitability

Value: 1.36%

Peer Median: 0.61%

#463 of 2508 Top 18.4% in <100M tier

509

Net Interest Margin (NIM)

profitability

Value: 4.61%

Peer Median: 3.83%

#509 of 2508 Top 20.3% in <100M tier

540

Total Deposits

balance_sheet

Value: $44.75M

Peer Median: $18.77M

#540 of 2508 Top 21.5% in <100M tier

542

Total Assets

balance_sheet

Value: $51.96M

Peer Median: $21.86M

#542 of 2508 Top 21.6% in <100M tier

570

Loan-to-Member Ratio (LMR)

engagement

Value: $7,256

Peer Median: $4,923

#570 of 2508 Top 22.7% in <100M tier

Top Weaknesses (1 metrics)

2047

First Mortgage Concentration (%)

balance_sheet

Value: 32.71%

Peer Median: 3.66%

#2047 of 2508 Bottom 18.4% in <100M tier