Saint Johnsbury, VT · Charter 24878
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 1.03% | 1.58% | 1.33% | 0.72% | 1.30% | 0.32% | 0.92% | -41 bps | |
| Return on Equity | 6.25% | 7.90% | 11.40% | 8.92% | 5.27% | 9.05% | 2.25% | 6.41% | -250 bps | |
| Net Interest Margin | 4.96% | 4.80% | 5.96% | 5.45% | 3.89% | 6.00% | 4.90% | 5.17% | -28 bps | |
| Efficiency Ratio | 86.05% | 84.20% | 73.79% | 78.35% | 84.14% | 81.34% | 95.41% | 86.61% | +826 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.82% | 6.34% | 3.18% | 3.32% | 43.87% | 31.45% | 44.06% | 41.03% | +3,771 bps | |
| Loan Growth (YoY) | 2.39% | 1.07% | -3.06% | -4.68% | 21.59% | 21.37% | 24.91% | 30.57% | +3,526 bps | |
| Share Growth (YoY) | 3.83% | 6.40% | 2.35% | 1.60% | 42.64% | 30.91% | 42.12% | 40.74% | +3,914 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.00% | 0.10% | 0.10% | 0.06% | 0.49% | 0.37% | 0.29% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.39% | 13.06% | 13.90% | 14.91% | 13.68% | 14.40% | 14.41% | 14.34% | -57 bps | |
| Net Worth / Assets | 13.39% | 13.06% | 13.90% | 14.91% | 13.68% | 14.40% | 14.41% | 14.34% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.26% | 85.67% | 85.94% | 86.95% | 77.79% | 79.43% | 75.54% | 80.66% | -628 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |