Civic Intelligence

Vocal Credit Union

EIN 81-0283506 • 501(c)14 • Helena, MT

View Organization Page

Profile

As a member owned financial cooperative, we listen to and service the needs of our members.

2910 Prospect AvenueHelena, MT 59601

vocal.coop

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

51st percentile

0.88x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

22nd percentile

13.10x

Higher debt load relative to revenue than 22% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

72nd percentile

17%

Higher net margin than 72% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

47th percentile

-0.7%

Faster asset growth than 47% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Revenue Growth

67th percentile

17%

Faster revenue growth than 67% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$49,212,295

Up $720,561 (+1.5%) from 2023

Liabilities

Up

$43,187,890

Up $149,546 (+0.3%) from 2023

Net Assets

Up

$6,024,405

Up $571,015 (+10%) from 2023

Operations
Liabilities / Revenue22nd percentileNet Margin72nd percentile

Revenue

Up

$3,297,140

Up $378,867 (+13%) from 2023

Expenses

Up

$2,726,125

Up $236,984 (+9.5%) from 2023

Net Income

Up

$571,015

Up $141,883 (+33%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2022: $49,892,361Liabilities 2022: $44,836,103Net Assets 2022: $5,056,2582022Assets 2023: $48,491,734Liabilities 2023: $43,038,344Net Assets 2023: $5,453,3902023Assets 2024: $49,212,295Liabilities 2024: $43,187,890Net Assets 2024: $6,024,4052024

Highlighted filing

2024

Assets$49,212,295
Liabilities$43,187,890
Net Assets$6,024,405
Open 2024 Filing

Operations Trend

Revenue Growth67th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Revenue 2022: $2,395,107Expenses 2022: $2,143,883Net Income 2022: $251,2242022Revenue 2023: $2,918,273Expenses 2023: $2,489,141Net Income 2023: $429,1322023Revenue 2024: $3,297,140Expenses 2024: $2,726,125Net Income 2024: $571,0152024

Highlighted filing

2024

Revenue$3,297,140
Expenses$2,726,125
Net Income$571,015
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$49,212,295
Liabilities
$43,187,890
Net assets
$6,024,405
Revenue
$3,297,140
Expenses
$2,726,125
Net income
$571,015
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$49.2$43.2$6.02$3.30$2.73$0.57
2023Detailed filing. Detailed filing data is available for this year.$48.5$43.0$5.45$2.92$2.49$0.43
2022Detailed filing. Detailed filing data is available for this year.$49.9$44.8$5.06$2.40$2.14$0.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 14, 2025
Return Version
2024v5.1
Gross Receipts
$3,297,140
Mission and Program Overview

Mission

As a member owned financial cooperative, we listen to and service the needs of our members.

Vocal provides financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$32,029,934$32,096,197▲ $66,263
Savings and Temporary Cash Investments$7,465,000$8,980,000▲ $1,515,000
Rtn Earn Endowment Incm Other Fnds$5,453,390$6,024,405▲ $571,015
Land, Buildings, and Equipment, Net$2,674,350$2,747,973▲ $73,623
Cash and Non-Interest-Bearing Accounts$3,526,097$2,671,706▼ $854,391
Receivables From Officers Etc$899,031$883,191▼ $15,840
Prepaid Expenses and Deferred Charges$226,845$156,600▼ $70,245
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$48,491,734$49,212,295▲ $720,561
Other Assets Total$1,670,477$1,676,628▲ $6,151
Liabilities
Other Liabilities$42,711,858$42,817,590▲ $105,732
Accounts Payable and Accrued Expenses$326,486$370,300▲ $43,814
Total Liabilities$43,038,344$43,187,890▲ $149,546
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,453,390$6,024,405▲ $571,015
Total Liabilities and Net Assets / Fund Balance$48,491,734$49,212,295▲ $720,561

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,711,653$912,795$2,624,448
Equipment$397,521$991,547$1,389,068
Land$638,799-$638,799
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eddie BlackPresident/CEOFT$203,118$48,171$251,289

Board Members and Trustees

NameTitle
Scott DixonChair
Dan RooneyVice Chair
Dan RispensDirector
Meg WhiteDirector
Sam BergDirector
Brook FeistSec/treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,188,172
Investment Income
$0
Other Revenue
$108,968
Change in Net Assets
$571,015

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,297,140
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,297,140
Total Revenue per Form 990
$3,297,140
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,356,284
Other Expenses$1,067,132
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$809,035
Office Expenses---$462,296
Benefits to Members---$302,709
Current Officers, Directors, Trustees, and Key Employees---$251,289
Other Employee Benefits---$143,917
Occupancy---$128,719
Fees for Services Other---$98,066
Payroll Taxes---$80,219
Pension Plan Contributions---$71,824
Travel---$63,194
Advertising---$59,257
Other Expenses---$28,888
Fees for Services Accounting---$19,800
All Other Expenses---$17,008
Fees for Services Legal---$3,945
Interest---$275
Total Functional Expenses$0$0$0$2,726,125

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,726,125
Total Expenses per Audited Statements$2,726,125
Total Expenses per Form 990$2,726,125
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$899,031$883,191▼ $15,840
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS ACCTS$42,817,590
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is membered owned whereby each member has one vote.”

Form 990, Part VI, Section A, Line 7A

“The credit union members elect individuals to serve on the board of directors.”

Form 990, Part VI, Section B, Line 11B

“Form 990 was prepared by the credit union's independent cpa, reviewed by management for any corrections.”

Form 990, Part VI, Section B, Line 12C

“Conflict of interest policies are reviewed anually and enforced throughout the year.”

Form 990, Part VI, Section B, Line 15

“Compensation of the president/ceo is determined and approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“All documents may be requested from the credit union office during normal business hours.”

Filing and Contact Details

Filer

Filer Name
Vocal Credit Union
EIN
81-0283506
Phone
4064421421
Address
2910 PROSPECT AVENUE, HELENA, MT 59601

Signing Officer

Name
Eddie Black
Title
CEO/president
Phone
4064421421
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eddie Black
Formed
1954
Legal Domicile
Mt
Voting Board Members
6
Independent Board Members
6
Employees
15
Volunteers
9

Preparer

Firm
Douglas Wilson & Company Pc
Address
1000 FIRST AVENUE SOUTH, GREAT FALLS, MT 59401
Preparer
Melissa H Soldano
Phone
4067614645
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0203118
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt026199
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021972
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0EDDIE BLACK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0251289
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0757168
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1103105
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt222918
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR AGREEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME EQUITY LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2USED VEHICLE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0600000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1256000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt245000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0EDDIE BLACK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1EDDIE BLACK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2EDDIE BLACK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt0883191
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MEMBERED OWNED WHEREBY EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MEMBERS ELECT INDIVIDUALS TO SERVE ON THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 WAS PREPARED BY THE CREDIT UNION'S INDEPENDENT CPA, REVIEWED BY MANAGEMENT FOR ANY CORRECTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONFLICT OF INTEREST POLICIES ARE REVIEWED ANUALLY AND ENFORCED THROUGHOUT THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION OF THE PRESIDENT/CEO IS DETERMINED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL DOCUMENTS MAY BE REQUESTED FROM THE CREDIT UNION OFFICE DURING NORMAL BUSINESS HOURS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt048491734
IRS990/TotalAssetsEOYAmt049212295
IRS990/TotalAssetsGrp/BOYAmt048491734
IRS990/TotalAssetsGrp/EOYAmt049212295
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/TotalAmt02726125
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt043038344
IRS990/TotalLiabilitiesEOYAmt043187890
IRS990/TotalLiabilitiesGrp/BOYAmt043038344
IRS990/TotalLiabilitiesGrp/EOYAmt043187890
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05453390
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06024405
IRS990/TotalOtherCompensationAmt048171
IRS990/TotalProgramServiceRevenueAmt03188172
IRS990/TotalReportableCompFromOrgAmt0203118
IRS990/TotalRevenueGrp/ExclusionAmt03188172
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0108968
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03297140
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt048491734
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt049212295
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt063194
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02910 PROSPECT AVENUE
IRS990/USAddress/CityNm0HELENA
IRS990/USAddress/StateAbbreviationCd0MT
IRS990/USAddress/ZIPCd059601
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0VOCAL.COOP
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0EDDIE BLACK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04064421421
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VOCAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0VOCA
ReturnHeader/Filer/EIN0810283506
ReturnHeader/Filer/PhoneNum04064421421
ReturnHeader/Filer/USAddress/AddressLine1Txt02910 PROSPECT AVENUE
ReturnHeader/Filer/USAddress/CityNm0HELENA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MT
ReturnHeader/Filer/USAddress/ZIPCd059601
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810446334
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DOUGLAS WILSON & COMPANY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01000 FIRST AVENUE SOUTH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GREAT FALLS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd059401
ReturnHeader/PreparerPersonGrp/PhoneNum04067614645
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MELISSA H SOLDANO
ReturnHeader/ReturnTs02025-05-15T13:23:06-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01

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