Rutland, VT · Charter 63896
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in the Salt Lake City-Murray, UT area (n=24 to 25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
83
Profitability
13
Liquidity
98
Efficiency
24
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.
Rutland, VT · Charter 63896
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.08% | 2.17% | 2.14% | 1.99% | 1.59% | 1.61% | 1.74% | 0.14% | -185 bps | |
| Return on Equity | 16.54% | 16.46% | 15.65% | 14.43% | 11.58% | 11.69% | 11.75% | 1.00% | -1,343 bps | |
| Net Interest Margin | 3.42% | 3.55% | 3.53% | 3.45% | 3.12% | 3.17% | 3.32% | 1.83% | -162 bps | |
| Efficiency Ratio | 47.15% | 45.96% | 46.90% | 47.61% | 56.02% | 52.97% | 52.76% | 91.91% | +4,430 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.79% | 4.50% | 2.14% | 6.12% | 5.59% | 8.65% | 4.66% | 1.01% | -512 bps | |
| Loan Growth (YoY) | 1.29% | 1.03% | 0.51% | 0.81% | -1.59% | -4.35% | -3.67% | -5.37% | -618 bps | |
| Share Growth (YoY) | 5.50% | 3.81% | 1.26% | 6.06% | 5.80% | 8.55% | 3.94% | 1.74% | -432 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.12% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.09% | +4 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 | 12.55% | 13.17% | 13.67% | 13.77% | 13.71% | 13.81% | 14.78% | 13.77% | 0 bps | |
| Net Worth / Assets | 12.55% | 13.17% | 13.67% | 13.77% | 13.71% | 13.81% | 14.78% | 13.77% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.32% | 67.77% | 68.18% | 66.41% | 61.69% | 59.71% | 63.19% | 61.77% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rutland, VT · Charter 63896 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=24-25)
NCUA · 1 branch
Q4 2025
Return on Assets
0.14%
Rank 20 of 25
Net Interest Margin
1.83%
Rank 25 of 25
Efficiency Ratio
91.93%
Rank 20 of 25
Equity / Assets
13.78%
Rank 14 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.33% | 0.65% | 1.39% | Beats 20% | 20 / 25 | ||
| Return on Equity | 1.00% | 2.44% | 4.21% | 9.31% | Beats 20% | 20 / 25 | ||
| Net Interest Margin | 1.83% | 2.82% | 3.42% | 4.24% | Beats 0% | 25 / 25 | ||
| Efficiency Ratio | 91.93% | 64.53% | 75.92% | 86.98% | Beats 24% | 20 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.11% | 0.55% | 0.94% | Beats 83% | 5 / 24 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.77% | 9.92% | 13.91% | 19.84% | Beats 44% | 14 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.78% | 9.92% | 13.91% | 19.84% | Beats 44% | 14 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.77% | 43.61% | 61.04% | 75.94% | 52nd pctl | 12 / 25 | ||
| Loans / Assets | 53.18% | 35.18% | 53.18% | 64.96% | 48th pctl | 13 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||