Brattleboro, VT · Charter 63899
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
13
Profitability
52
Liquidity
86
Efficiency
29
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.
Brattleboro, VT · Charter 63899
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.29% | 0.35% | 0.59% | 0.67% | +58 bps | |
| Return on Equity | 1.02% | 3.14% | 3.86% | 6.49% | 7.13% | +611 bps | |
| Net Interest Margin | 3.57% | 3.69% | 3.69% | 3.70% | 3.78% | +21 bps | |
| Efficiency Ratio | 98.00% | 93.89% | 92.45% | 86.80% | 85.68% | -1,232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.83% | 9.89% | 7.77% | 6.18% | 2.34% | -1,650 bps | |
| Loan Growth (YoY) | -0.40% | 1.84% | 0.54% | -0.17% | -2.85% | -245 bps | |
| Share Growth (YoY) | 21.18% | 10.96% | 8.18% | 6.27% | 1.94% | -1,924 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.72% | 2.70% | 2.79% | 2.07% | +118 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.99% | 9.14% | 9.13% | 9.15% | 9.42% | +44 bps | |
| Net Worth / Assets | 8.99% | 9.14% | 9.13% | 9.15% | 9.42% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.05% | 75.80% | 74.23% | 72.14% | 72.48% | -357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brattleboro, VT · Charter 63899 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.67%
Rank 919 of 1,683
Net Interest Margin
3.78%
Rank 873 of 1,683
Efficiency Ratio
85.53%
Rank 1,203 of 1,682
Equity / Assets
9.43%
Rank 1,444 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 919 / 1,683 | |
| Return on Equity | 7.12% | 2.67% | 5.89% | 8.74% | Beats 62% | 638 / 1,681 | |
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 873 / 1,683 | |
| Efficiency Ratio | 85.53% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,203 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.07% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,459 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.43% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,444 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.43% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,444 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.48% | 52.61% | 69.38% | 83.50% | 56th pctl | 743 / 1,683 | |
| Loans / Assets | 65.53% | 44.71% | 59.18% | 70.72% | 64th pctl | 613 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||