Southwestern Vermont Federal Emp's 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
$80.1M Assets
$42.6M Loans
$68.9M Shares
$11.0M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 5 of 24). Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 25 of 25). Overall: at or above the peer median on 1 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Salt Lake City-Murray, UT area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (24 to 25 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.10%, the median effective tax rate of the 2,760 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-10