Springfield, VT · Charter 63923
NCUA · 8 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 | -0.06% | -0.11% | 0.18% | 0.21% | 0.40% | 0.41% | 0.22% | 0.18% | -4 bps | |
| Return on Equity | -0.80% | -1.55% | 2.45% | 2.85% | 5.18% | 5.21% | 2.81% | 2.26% | -60 bps | |
| Net Interest Margin | 3.44% | 3.52% | 3.89% | 3.95% | 4.06% | 4.07% | 4.16% | 4.18% | +23 bps | |
| Efficiency Ratio | 87.79% | 87.33% | 85.30% | 85.16% | 83.46% | 83.33% | 89.68% | 88.93% | +378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.32% | 5.70% | 2.67% | 1.50% | -0.37% | 0.73% | 0.78% | 0.38% | -112 bps | |
| Loan Growth (YoY) | -3.75% | 1.11% | 1.75% | 3.28% | 4.62% | 1.63% | 2.41% | 0.04% | -324 bps | |
| Share Growth (YoY) | 5.88% | 6.19% | 2.33% | 1.55% | -0.97% | -0.10% | 0.53% | -0.30% | -184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 1.25% | 0.93% | 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 | 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 | 7.45% | 7.43% | 7.42% | 7.44% | 7.71% | 7.78% | 7.77% | 7.79% | +36 bps | |
| Net Worth / Assets | 7.45% | 7.43% | 7.42% | 7.44% | 7.71% | 7.78% | 7.77% | 7.79% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.53% | 78.63% | 76.73% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |