Fairfield, VT · Charter 65091
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
7
Profitability
17
Liquidity
37
Efficiency
1
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.
Fairfield, VT · Charter 65091
NCUA · 1 branch
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 1.26% | 1.59% | -5.98% | -4.12% | -424 bps | |
| Return on Equity | 0.98% | 9.75% | 11.96% | -97.81% | -72.64% | -7,361 bps | |
| Net Interest Margin | 4.01% | 4.50% | 4.17% | -3.66% | 3.52% | -49 bps | |
| Efficiency Ratio | 96.99% | 71.99% | 61.80% | n/a | 217% | +11,999 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.37% | -8.15% | -7.29% | -4.67% | -7.10% | -72 bps | |
| Loan Growth (YoY) | -8.03% | -19.84% | -19.49% | -22.68% | -14.28% | -625 bps | |
| Share Growth (YoY) | -7.20% | -9.52% | -8.33% | 1.15% | -0.03% | +716 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.03% | 1.27% | 2.76% | +276 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.16% | 2.31% | 2.24% | 2.47% | 2.52% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.33% | 12.91% | 13.32% | 6.11% | 5.67% | -667 bps | |
| Net Worth / Assets | 12.33% | 12.91% | 13.32% | 6.11% | 5.67% | -667 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.73% | 91.00% | 93.03% | 77.86% | 82.94% | -1,379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairfield, VT · Charter 65091 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
Return on Assets
-3.75%
Rank 1,653 of 1,677
Net Interest Margin
3.75%
Rank 865 of 1,676
Efficiency Ratio
200%
Rank 1,664 of 1,674
Equity / Assets
5.63%
Rank 1,663 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.75% | 0.29% | 0.71% | 1.15% | Beats 1% | 1,653 / 1,677 | |
| Return on Equity | -66.67% | 2.30% | 5.46% | 8.75% | Beats 1% | 1,665 / 1,674 | |
| Net Interest Margin | 3.75% | 3.27% | 3.78% | 4.29% | Beats 48% | 865 / 1,676 | |
| Efficiency Ratio | 200% | 69.04% | 78.86% | 87.73% | Beats 1% | 1,664 / 1,674 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.88% | 0.23% | 0.59% | 1.15% | Beats 7% | 1,566 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.67% | 10.32% | 12.68% | 16.26% | Beats 1% | 1,664 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.63% | 10.32% | 12.68% | 16.26% | Beats 1% | 1,663 / 1,676 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.90% | 52.64% | 68.65% | 82.42% | 76th pctl | 406 / 1,676 | |
| Loans / Assets | 78.24% | 44.39% | 58.63% | 70.08% | 91st pctl | 150 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||