Barre, VT · Charter 62983
NCUA · 9 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.17% | 1.89% | 1.56% | 1.53% | 1.48% | 1.16% | 1.19% | 1.14% | -39 bps | |
| Return on Equity | 18.28% | 16.01% | 13.06% | 12.46% | 11.83% | 9.42% | 9.55% | 9.07% | -339 bps | |
| Net Interest Margin | 5.26% | 5.14% | 4.97% | 5.03% | 5.04% | 4.55% | 4.93% | 4.85% | -18 bps | |
| Efficiency Ratio | 62.34% | 64.97% | 69.32% | 70.17% | 71.20% | 72.98% | 74.59% | 74.58% | +441 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.25% | 6.34% | 6.40% | 6.34% | 6.99% | 18.09% | 17.40% | 18.60% | +1,226 bps | |
| Loan Growth (YoY) | 13.24% | 11.39% | 10.57% | 10.06% | 10.44% | 21.70% | 21.50% | 20.91% | +1,084 bps | |
| Share Growth (YoY) | -0.20% | 4.65% | 4.84% | 5.10% | 6.22% | 17.51% | 16.85% | 18.38% | +1,328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.31% | 1.15% | 0.91% | 0.96% | 1.05% | 1.26% | 1.50% | +59 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 | 11.86% | 11.81% | 11.93% | 12.25% | 12.50% | 12.36% | 12.45% | 12.54% | +29 bps | |
| Net Worth / Assets | 11.86% | 11.81% | 11.93% | 12.25% | 12.50% | 12.36% | 12.45% | 12.54% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.63% | 84.94% | 83.83% | 86.58% | 89.04% | 87.98% | 87.16% | 88.43% | +185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |