Barre, VT · Charter 65090
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.87% | 0.73% | -0.18% | -0.45% | -126 bps | |
| Return on Equity | 3.11% | 3.32% | 2.76% | -0.69% | -1.73% | -484 bps | |
| Net Interest Margin | 4.67% | 4.63% | 4.62% | 3.85% | 3.76% | -91 bps | |
| Efficiency Ratio | 78.66% | 76.76% | 78.72% | 95.24% | 96.90% | +1,825 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.54% | 6.57% | 8.60% | 3.28% | 1.31% | +285 bps | |
| Loan Growth (YoY) | -0.15% | -12.45% | -11.88% | -14.42% | -18.07% | -1,792 bps | |
| Share Growth (YoY) | -3.78% | 7.47% | 10.82% | 3.74% | 1.89% | +566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.16% | 26.25% | 26.43% | 26.19% | 25.89% | -27 bps | |
| Net Worth / Assets | 26.16% | 26.25% | 26.43% | 26.19% | 25.89% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |