South Burlingto, VT · Charter 63859
NCUA · 3 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 | 1.25% | 1.22% | 0.99% | 0.81% | 0.39% | 0.43% | 0.35% | 0.32% | -49 bps | |
| Return on Equity | 9.31% | 8.89% | 7.20% | 5.73% | 3.25% | 3.36% | 2.67% | 2.33% | -340 bps | |
| Net Interest Margin | 4.56% | 4.57% | 4.46% | 4.47% | 3.28% | 3.60% | 4.83% | 4.52% | +5 bps | |
| Efficiency Ratio | 71.67% | 70.73% | 77.76% | 79.03% | 77.76% | 81.15% | 69.51% | 80.10% | +107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.65% | 2.19% | 3.00% | 0.08% | 55.42% | 49.90% | 46.14% | 48.82% | +4,874 bps | |
| Loan Growth (YoY) | 5.56% | 4.63% | 2.52% | 1.04% | 54.24% | 51.97% | 52.74% | 54.68% | +5,364 bps | |
| Share Growth (YoY) | 0.77% | 1.27% | 2.22% | -1.30% | 51.34% | 43.49% | 34.38% | 35.50% | +3,680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.79% | 3.71% | 2.68% | 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 | 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 | 13.47% | 13.67% | 13.75% | 14.11% | 12.11% | 12.93% | 13.18% | 13.70% | -40 bps | |
| Net Worth / Assets | 13.47% | 13.67% | 13.75% | 14.11% | 12.11% | 12.93% | 13.18% | 13.70% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.11% | 104.57% | 102.47% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |