PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwestern Vermont Federal Emp's

Rutland, VT · Charter 63896

NCUA · 1 branch

Q4 2025

$80.1MAssets
$42.6MLoans
$68.9MShares
$11.0MNet 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 0.14%, down 185 bps year over year; NIM at 1.83%.
  • Asset quality: problem loans at 0.09% of loans (+4 bps YoY).
  • Capital: net worth / assets of 13.77%, unchanged from a year ago.
  • Funding: loans stand at 61.77% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.14%-185 bps YoY

Net Interest Margin (YTD, annualized)

1.83%-162 bps YoY

Efficiency Ratio (YTD, annualized)

91.91%+4,430 bps YoY

Net Worth / Assets

13.77%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.99%1.59%1.61%1.74%0.14%-185 bps
Return on Equity14.43%11.58%11.69%11.75%1.00%-1,343 bps
Net Interest Margin3.45%3.12%3.17%3.32%1.83%-162 bps
Efficiency Ratio47.61%56.02%52.97%52.76%91.91%+4,430 bps
Growth
Asset Growth (YoY)6.12%5.59%8.65%4.66%1.01%-512 bps
Loan Growth (YoY)0.81%-1.59%-4.35%-3.67%-5.37%-618 bps
Share Growth (YoY)6.06%5.80%8.55%3.94%1.74%-432 bps
Asset Quality
Delinquent Loans / Loans0.05%0.05%0.05%0.05%0.09%+4 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 Capital13.77%13.71%13.81%14.78%13.77%0 bps
Net Worth / Assets13.77%13.71%13.81%14.78%13.77%0 bps
Liquidity & Funding
Loans / Shares66.41%61.69%59.71%63.19%61.77%-464 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps