802 Credit Union
Barre, VT · Charter 62983 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$507.7MAssets
$389.2MLoans
$440.1MShares
$63.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets (rank 188 of 1683).
- Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets (rank 1323 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.14%
Rank 466 of 1,683
Net Interest Margin
4.85%
Rank 188 of 1,683
Efficiency Ratio
74.58%
Rank 658 of 1,682
Equity / Assets
12.54%
Rank 904 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 72% | 466 / 1,683 | | |
| Return on Equity | 9.07% | 2.67% | 5.89% | 8.74% | Beats 77% | 385 / 1,681 | | |
| Net Interest Margin | 4.85% | 3.31% | 3.82% | 4.32% | Beats 89% | 188 / 1,683 | | |
| Efficiency Ratio | 74.58% | 68.91% | 78.20% | 86.93% | Beats 61% | 658 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,323 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 904 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 904 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.43% | 52.61% | 69.38% | 83.50% | 84th pctl | 273 / 1,683 | | |
| Loans / Assets | 76.66% | 44.71% | 59.18% | 70.72% | 87th pctl | 225 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |