Rutland, VT · Charter 24742
NCUA · 14 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 | 0.87% | 1.03% | 1.01% | 0.45% | 1.00% | +13 bps | |
| Return on Equity | 7.30% | 8.48% | 8.31% | 3.74% | 8.24% | +94 bps | |
| Net Interest Margin | 4.23% | 4.30% | 4.32% | 4.47% | 4.45% | +22 bps | |
| Efficiency Ratio | 76.36% | 74.19% | 73.67% | 81.15% | 75.45% | -92 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.79% | 5.03% | 7.66% | 5.71% | 7.58% | +80 bps | |
| Loan Growth (YoY) | 8.69% | 11.56% | 15.35% | 12.49% | 8.48% | -21 bps | |
| Share Growth (YoY) | 9.77% | 8.62% | 10.08% | 5.61% | 7.90% | -187 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.56% | 0.79% | 0.75% | 0.86% | +30 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 | 11.89% | 12.17% | 12.14% | 11.95% | 12.08% | +19 bps | |
| Net Worth / Assets | 11.89% | 12.17% | 12.14% | 11.95% | 12.08% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.42% | 88.72% | 90.56% | 88.35% | 85.88% | +46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |