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 | |