One
Springfield, VT · Charter 63923 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$263.6MAssets
$190.9MLoans
$245.4MShares
$20.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 529 of 1683).
- Widest gap: equity / assets trails 97% of credit unions under $1B in assets (rank 1636 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.18%
Rank 1,399 of 1,683
Net Interest Margin
4.18%
Rank 529 of 1,683
Efficiency Ratio
88.95%
Rank 1,347 of 1,682
Equity / Assets
7.79%
Rank 1,636 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,399 / 1,683 | |
| Return on Equity | 2.26% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,313 / 1,681 | |
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 69% | 529 / 1,683 | |
| Efficiency Ratio | 88.95% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,347 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.52% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,328 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.79% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,636 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.79% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,636 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.80% | 52.61% | 69.38% | 83.50% | 66th pctl | 580 / 1,683 | |
| Loans / Assets | 72.43% | 44.71% | 59.18% | 70.72% | 78th pctl | 363 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |