PackageTrendsPeer
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Green Mountain

South Burlingto, VT · Charter 63859

NCUA · 3 branches

Q2 2026

$152.0MAssets
$138.4MLoans
$114.8MShares
$20.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.32%, down 49 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 3.91% of loans (+62 bps YoY).
  • Capital: net worth / assets of 13.70%, down 40 bps from a year ago.
  • Funding: loans stand at 120.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%-49 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+5 bps YoY

Efficiency Ratio (YTD, annualized)

80.10%+107 bps YoY

Net Worth / Assets

13.70%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.39%0.43%0.35%0.32%-49 bps
Return on Equity5.73%3.25%3.36%2.67%2.33%-340 bps
Net Interest Margin4.47%3.28%3.60%4.83%4.52%+5 bps
Efficiency Ratio79.03%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 / Loans3.29%3.82%4.63%3.46%3.91%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.11%12.11%12.93%13.18%13.70%-40 bps
Net Worth / Assets14.11%12.11%12.93%13.18%13.70%-40 bps
Liquidity & Funding
Loans / Shares105.59%107.13%110.75%116.48%120.54%+1,495 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps