Rutland, VT · Charter 63896
NCUA · 1 branch
Q4 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |