Vermont Development
Burlington, VT · Charter 67251 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 3 branches
Q2 2025
$60.5MAssets
$48.9MLoans
$47.5MShares
$6.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 29% of credit unions under $1B in assets (rank 1186 of 1659).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets (rank 1630 of 1656).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-1.65%
Rank 1,620 of 1,659
Net Interest Margin
2.93%
Rank 1,409 of 1,658
Efficiency Ratio
132.61%
Rank 1,630 of 1,656
Equity / Assets
10.52%
Rank 1,186 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.65% | 0.35% | 0.78% | 1.25% | Beats 2% | 1,620 / 1,659 | | |
| Return on Equity | -15.70% | 2.75% | 6.06% | 9.41% | Beats 2% | 1,629 / 1,657 | | |
| Net Interest Margin | 2.93% | 3.20% | 3.76% | 4.33% | Beats 15% | 1,409 / 1,658 | | |
| Efficiency Ratio | 132.61% | 67.69% | 77.34% | 85.79% | Beats 2% | 1,630 / 1,656 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.87% | 0.24% | 0.65% | 1.35% | Beats 7% | 1,541 / 1,657 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.52% | 10.20% | 12.57% | 16.16% | Beats 29% | 1,186 / 1,659 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.52% | 10.20% | 12.57% | 16.15% | Beats 28% | 1,186 / 1,658 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.87% | 54.91% | 71.55% | 84.72% | 97th pctl | 47 / 1,658 | | |
| Loans / Assets | 80.77% | 46.17% | 60.56% | 71.91% | 93rd pctl | 119 / 1,658 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |