St. Patrick's Parish
Fairfield, VT · Charter 65091 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
$533KAssets
$417KLoans
$503KShares
$30KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 48% of credit unions under $1B in assets (rank 865 of 1676).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1663 of 1676).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 8-Qtr Trend | 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 |