Springfield, VT · Charter 63923
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.40% | 0.41% | 0.22% | 0.18% | -4 bps | |
| Return on Equity | 2.85% | 5.18% | 5.21% | 2.81% | 2.26% | -60 bps | |
| Net Interest Margin | 3.95% | 4.06% | 4.07% | 4.16% | 4.18% | +23 bps | |
| Efficiency Ratio | 85.16% | 83.46% | 83.33% | 89.68% | 88.93% | +378 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.50% | -0.37% | 0.73% | 0.78% | 0.38% | -112 bps | |
| Loan Growth (YoY) | 3.28% | 4.62% | 1.63% | 2.41% | 0.04% | -324 bps | |
| Share Growth (YoY) | 1.55% | -0.97% | -0.10% | 0.53% | -0.30% | -184 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.71% | 1.18% | 1.06% | 1.52% | +54 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 | 7.44% | 7.71% | 7.78% | 7.77% | 7.79% | +36 bps | |
| Net Worth / Assets | 7.44% | 7.71% | 7.78% | 7.77% | 7.79% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.54% | 80.85% | 79.99% | 78.16% | 77.80% | +26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |