Rochester, VT · Charter 64421
NCUA · 3 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |