Rochester, VT · Charter 64421
NCUA · 3 branches
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.16% | 2.04% | 1.65% | 1.51% | 1.48% | -67 bps | |
| Return on Equity | 18.98% | 17.60% | 14.31% | 12.66% | 12.46% | -652 bps | |
| Net Interest Margin | 4.82% | 4.77% | 4.61% | 4.73% | 4.68% | -14 bps | |
| Efficiency Ratio | 62.94% | 64.46% | 68.61% | 72.07% | 72.31% | +937 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.72% | 0.37% | 4.59% | 7.05% | 9.64% | +1,236 bps | |
| Loan Growth (YoY) | -0.27% | -2.16% | 0.59% | 0.70% | -1.06% | -79 bps | |
| Share Growth (YoY) | -5.20% | -1.98% | 2.94% | 5.23% | 8.80% | +1,400 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.37% | 11.61% | 11.56% | 11.90% | 11.91% | +54 bps | |
| Net Worth / Assets | 11.37% | 11.61% | 11.56% | 11.90% | 11.91% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |