Vermont
So Burlington, VT · Charter 24405 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
$1.1BAssets
$901.0MLoans
$1.0BShares
$123.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions $1B-$10B in assets (rank 119 of 435).
- Widest gap: efficiency ratio trails 71% of credit unions $1B-$10B in assets (rank 309 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |