So Burlington, VT · Charter 24405
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
73
Profitability
58
Liquidity
96
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
So Burlington, VT · Charter 24405
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.87% | 0.90% | 0.87% | 0.88% | +9 bps | |
| Return on Equity | 7.86% | 8.49% | 8.64% | 8.10% | 8.15% | +30 bps | |
| Net Interest Margin | 3.23% | 3.27% | 3.31% | 3.46% | 3.52% | +29 bps | |
| Efficiency Ratio | 77.23% | 75.83% | 75.45% | 77.98% | 76.63% | -60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.82% | 4.81% | 3.54% | 10.19% | 12.74% | +692 bps | |
| Loan Growth (YoY) | 7.43% | 6.79% | 7.19% | 11.92% | 10.89% | +346 bps | |
| Share Growth (YoY) | 4.56% | 6.96% | 5.38% | 13.52% | 14.42% | +986 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.43% | 0.45% | 0.49% | 0.47% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.12% | 10.26% | 10.44% | 10.68% | 10.81% | +69 bps | |
| Net Worth / Assets | 10.12% | 10.26% | 10.44% | 10.68% | 10.81% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.84% | 93.37% | 95.73% | 89.87% | 89.01% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
So Burlington, VT · Charter 24405 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
Return on Assets
0.88%
Rank 186 of 435
Net Interest Margin
3.52%
Rank 175 of 435
Efficiency Ratio
76.63%
Rank 309 of 435
Equity / Assets
10.81%
Rank 225 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.55% | 0.81% | 1.14% | Beats 57% | 186 / 435 | |
| Return on Equity | 8.15% | 5.12% | 7.41% | 9.70% | Beats 57% | 185 / 435 | |
| Net Interest Margin | 3.52% | 3.01% | 3.39% | 3.75% | Beats 60% | 175 / 435 | |
| Efficiency Ratio | 76.63% | 65.25% | 71.39% | 77.86% | Beats 29% | 309 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.45% | 0.69% | 1.05% | Beats 73% | 119 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.81% | 9.81% | 10.84% | 12.63% | Beats 48% | 225 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.81% | 9.81% | 10.84% | 12.63% | Beats 48% | 225 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.01% | 78.33% | 88.38% | 95.61% | 53rd pctl | 206 / 435 | |
| Loans / Assets | 79.02% | 67.69% | 74.58% | 80.80% | 66th pctl | 146 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||