White River
Rochester, VT · Charter 64421 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 3 branches
Q3 2025
$53.2MAssets
$31.0MLoans
$46.3MShares
$6.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets (rank 164 of 1638).
- Widest gap: nonperforming loans / loans trails 73% of credit unions under $1B in assets (rank 1189 of 1637).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |