VOCAL
Charter #68677 · HELENA, MT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.37% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.63% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VOCAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.96M | 6th pct | 16th pct |
| Members | 4,324 | 35th pct | 36th pct |
| Net worth ratio | 13.10% | 53th pct | 56th pct |
| Return on average assets | 1.37% | 81th pct | 90th pct |
| Net interest margin | 4.63% | 90th pct | 90th pct |
| Cost of funds | 0.69% | 34th pct | 34th pct |
| Loan-to-share | 70.11% | 68th pct | 61th pct |
| Delinquency 60+ days | 1.03% | 73th pct | 64th pct |
| Net charge-off ratio | 0.12% | 35th pct | 41th pct |
| Loan growth YoY | 0.24% | 67th pct | 61th pct |
| Share growth YoY | 0.55% | 23th pct | 21th pct |
| Efficiency ratio | 75.64% | 38th pct | 30th pct |
structural peer set hash: 50e79e5dd7db5cd61c85accee37430a4… (reproducible)
Closest structural peers
This is the free public view
Claim VOCAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.