PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Vermont Medical Center, Inc.

Barre, VT · Charter 65090

NCUA · 1 branch

Q2 2026

$12.7MAssets
$3.9MLoans
$9.3MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of -0.45%, down 126 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 4.52% of loans (+48 bps YoY).
  • Capital: net worth / assets of 25.89%, down 27 bps from a year ago.
  • Funding: loans stand at 42.30% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.45%-126 bps YoY

Net Interest Margin (quarter, annualized)

3.76%-91 bps YoY

Efficiency Ratio (quarter, annualized)

96.90%+1,825 bps YoY

Net Worth / Assets

25.89%-27 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin6.11%6.03%4.83%4.67%4.63%4.62%3.85%3.76%-91 bps
Efficiency Ratio107.90%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 / Loans2.05%3.66%2.25%4.04%6.27%4.04%4.87%4.52%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital26.95%27.95%26.51%26.16%26.25%26.43%26.19%25.89%-27 bps
Net Worth / Assets26.95%27.95%26.51%26.16%26.25%26.43%26.19%25.89%-27 bps
Liquidity & Funding
Loans / Shares62.24%61.48%53.48%52.61%50.70%48.89%44.12%42.30%-1,031 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps