South Burlingto, VT · Charter 63859
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
5
Profitability
42
Liquidity
0
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
South Burlingto, VT · Charter 63859
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.39% | 0.43% | 0.35% | 0.32% | -49 bps | |
| Return on Equity | 5.73% | 3.25% | 3.36% | 2.67% | 2.33% | -340 bps | |
| Net Interest Margin | 4.47% | 3.28% | 3.60% | 4.83% | 4.52% | +5 bps | |
| Efficiency Ratio | 79.03% | 77.76% | 81.15% | 69.51% | 80.10% | +107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.08% | 55.42% | 49.90% | 46.14% | 48.82% | +4,874 bps | |
| Loan Growth (YoY) | 1.04% | 54.24% | 51.97% | 52.74% | 54.68% | +5,364 bps | |
| Share Growth (YoY) | -1.30% | 51.34% | 43.49% | 34.38% | 35.50% | +3,680 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.29% | 3.82% | 4.63% | 3.46% | 3.91% | +62 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 | 14.11% | 12.11% | 12.93% | 13.18% | 13.70% | -40 bps | |
| Net Worth / Assets | 14.11% | 12.11% | 12.93% | 13.18% | 13.70% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.59% | 107.13% | 110.75% | 116.48% | 120.54% | +1,495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Burlingto, VT · Charter 63859 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.32%
Rank 1,293 of 1,683
Net Interest Margin
4.52%
Rank 321 of 1,683
Efficiency Ratio
80.10%
Rank 940 of 1,682
Equity / Assets
13.70%
Rank 718 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,293 / 1,683 | |
| Return on Equity | 2.33% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,307 / 1,681 | |
| Net Interest Margin | 4.52% | 3.31% | 3.82% | 4.32% | Beats 81% | 321 / 1,683 | |
| Efficiency Ratio | 80.10% | 68.91% | 78.20% | 86.93% | Beats 44% | 940 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.91% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,598 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.70% | 10.44% | 12.89% | 16.53% | Beats 57% | 718 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.70% | 10.44% | 12.89% | 16.53% | Beats 57% | 718 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 120.54% | 52.61% | 69.38% | 83.50% | 100th pctl | 6 / 1,683 | |
| Loans / Assets | 91.04% | 44.71% | 59.18% | 70.72% | 100th pctl | 7 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||