Rochester, VT · Charter 64421
NCUA · 3 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
27
Profitability
85
Liquidity
83
Efficiency
62
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.
Rochester, VT · Charter 64421
NCUA · 3 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.96% | 2.15% | 2.16% | 2.04% | 1.65% | 1.51% | 1.48% | -67 bps | |
| Return on Equity | 17.62% | 19.42% | 19.74% | 18.98% | 17.60% | 14.31% | 12.66% | 12.46% | -652 bps | |
| Net Interest Margin | 4.44% | 4.68% | 4.81% | 4.82% | 4.77% | 4.61% | 4.73% | 4.68% | -14 bps | |
| Efficiency Ratio | 67.14% | 66.59% | 63.40% | 62.94% | 64.46% | 68.61% | 72.07% | 72.31% | +937 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.92% | -2.40% | -4.83% | -2.72% | 0.37% | 4.59% | 7.05% | 9.64% | +1,236 bps | |
| Loan Growth (YoY) | 6.11% | 4.19% | 3.18% | -0.27% | -2.16% | 0.59% | 0.70% | -1.06% | -79 bps | |
| Share Growth (YoY) | -7.06% | -4.65% | -7.03% | -5.20% | -1.98% | 2.94% | 5.23% | 8.80% | +1,400 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.32% | 0.44% | 0.72% | 0.82% | 0.76% | 1.41% | 1.24% | +52 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 | 9.60% | 10.09% | 10.91% | 11.37% | 11.61% | 11.56% | 11.90% | 11.91% | +54 bps | |
| Net Worth / Assets | 9.60% | 10.09% | 10.91% | 11.37% | 11.61% | 11.56% | 11.90% | 11.91% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.86% | 69.65% | 73.14% | 73.63% | 71.72% | 68.06% | 69.99% | 66.96% | -667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rochester, VT · Charter 64421 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 3 branches
Q3 2025
Return on Assets
1.48%
Rank 298 of 1,639
Net Interest Margin
4.68%
Rank 263 of 1,638
Efficiency Ratio
72.30%
Rank 616 of 1,637
Equity / Assets
11.91%
Rank 967 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 0.40% | 0.81% | 1.29% | Beats 82% | 298 / 1,639 | ||
| Return on Equity | 12.45% | 3.02% | 6.34% | 9.49% | Beats 90% | 164 / 1,638 | ||
| Net Interest Margin | 4.68% | 3.27% | 3.83% | 4.38% | Beats 84% | 263 / 1,638 | ||
| Efficiency Ratio | 72.30% | 67.38% | 76.32% | 84.73% | Beats 62% | 616 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.24% | 0.27% | 0.68% | 1.33% | Beats 27% | 1,189 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.91% | 10.38% | 12.80% | 16.53% | Beats 41% | 969 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.91% | 10.39% | 12.80% | 16.53% | Beats 41% | 967 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.96% | 55.01% | 72.16% | 85.44% | 41st pctl | 959 / 1,638 | ||
| Loans / Assets | 58.20% | 46.69% | 60.81% | 72.42% | 44th pctl | 912 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||