Brattleboro, VT · Charter 63899
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.14% | -0.08% | 0.09% | 0.29% | 0.35% | 0.59% | 0.67% | +58 bps | |
| Return on Equity | 1.92% | 1.50% | -0.91% | 1.02% | 3.14% | 3.86% | 6.49% | 7.13% | +611 bps | |
| Net Interest Margin | 3.74% | 3.60% | 3.48% | 3.57% | 3.69% | 3.69% | 3.70% | 3.78% | +21 bps | |
| Efficiency Ratio | 96.10% | 96.94% | 101.87% | 98.00% | 93.89% | 92.45% | 86.80% | 85.68% | -1,232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.90% | 22.92% | 19.80% | 18.83% | 9.89% | 7.77% | 6.18% | 2.34% | -1,650 bps | |
| Loan Growth (YoY) | 3.02% | -1.20% | -1.77% | -0.40% | 1.84% | 0.54% | -0.17% | -2.85% | -245 bps | |
| Share Growth (YoY) | 19.21% | 26.06% | 22.95% | 21.18% | 10.96% | 8.18% | 6.27% | 1.94% | -1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 2.10% | 0.38% | 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 | 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 | 9.80% | 9.46% | 9.17% | 8.99% | 9.14% | 9.13% | 9.15% | 9.42% | +44 bps | |
| Net Worth / Assets | 9.80% | 9.46% | 9.17% | 8.99% | 9.14% | 9.13% | 9.15% | 9.42% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.59% | 79.88% | 76.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |