Burlington, VT · Charter 67251
NCUA · 3 branches
Q2 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.03% | -0.48% | -1.02% | -1.65% | -166 bps | |
| Return on Equity | 0.04% | 0.23% | -4.58% | -9.52% | -15.72% | -1,576 bps | |
| Net Interest Margin | 3.22% | 3.15% | 3.23% | 3.15% | 2.94% | -28 bps | |
| Efficiency Ratio | 96.25% | 93.54% | 98.74% | 126.82% | 132.60% | +3,635 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.40% | -1.01% | -2.58% | -4.49% | -9.83% | -1,123 bps | |
| Loan Growth (YoY) | -4.52% | -3.68% | -4.20% | -4.52% | -10.28% | -576 bps | |
| Share Growth (YoY) | 0.53% | 0.06% | -3.82% | -3.70% | -10.44% | -1,097 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 3.84% | 3.16% | 1.19% | 2.87% | +92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.00% | 11.38% | 10.58% | 10.74% | 10.52% | -47 bps | |
| Net Worth / Assets | 11.00% | 11.38% | 10.58% | 10.74% | 10.52% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.69% | 106.73% | 107.21% | 108.92% | 102.87% | +18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |