Barre, VT · Charter 65090
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
4
Profitability
20
Liquidity
12
Efficiency
9
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.
Barre, VT · Charter 65090
NCUA · 1 branch
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 | -1.61% | -0.87% | 0.54% | 0.81% | 0.87% | 0.73% | -0.18% | -0.45% | -126 bps | |
| Return on Equity | -5.97% | -3.11% | 2.04% | 3.11% | 3.32% | 2.76% | -0.69% | -1.73% | -484 bps | |
| Net Interest Margin | 6.11% | 6.03% | 4.83% | 4.67% | 4.63% | 4.62% | 3.85% | 3.76% | -91 bps | |
| Efficiency Ratio | 107.90% | 100.85% | 82.71% | 78.66% | 76.76% | 78.72% | 95.24% | 96.90% | +1,825 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.35% | -10.46% | -2.63% | -1.54% | 6.57% | 8.60% | 3.28% | 1.31% | +285 bps | |
| Loan Growth (YoY) | 18.91% | 3.57% | -0.51% | -0.15% | -12.45% | -11.88% | -14.42% | -18.07% | -1,792 bps | |
| Share Growth (YoY) | -13.04% | -13.37% | -5.54% | -3.78% | 7.47% | 10.82% | 3.74% | 1.89% | +566 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 3.66% | 2.25% | 4.04% | 6.27% | 4.04% | 4.87% | 4.52% | +48 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 | 26.95% | 27.95% | 26.51% | 26.16% | 26.25% | 26.43% | 26.19% | 25.89% | -27 bps | |
| Net Worth / Assets | 26.95% | 27.95% | 26.51% | 26.16% | 26.25% | 26.43% | 26.19% | 25.89% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.24% | 61.48% | 53.48% | 52.61% | 50.70% | 48.89% | 44.12% | 42.30% | -1,031 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Barre, VT · Charter 65090 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.44%
Rank 1,572 of 1,683
Net Interest Margin
3.75%
Rank 902 of 1,683
Efficiency Ratio
97.22%
Rank 1,534 of 1,682
Equity / Assets
25.89%
Rank 87 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.44% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,572 / 1,683 | ||
| Return on Equity | -1.71% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,542 / 1,681 | ||
| Net Interest Margin | 3.75% | 3.31% | 3.82% | 4.32% | Beats 46% | 902 / 1,683 | ||
| Efficiency Ratio | 97.22% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,534 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.53% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,616 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.89% | 10.44% | 12.89% | 16.53% | Beats 95% | 87 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.89% | 10.44% | 12.89% | 16.53% | Beats 95% | 87 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.29% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,456 / 1,683 | ||
| Loans / Assets | 31.09% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,534 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||