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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |