Burlington, VT · Charter 67251
NCUA · 3 branches
Q2 2025
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.14% | 0.01% | 0.00% | 0.03% | -0.48% | -1.02% | -1.65% | -166 bps | |
| Return on Equity | 0.20% | 1.20% | 0.08% | 0.04% | 0.23% | -4.58% | -9.52% | -15.72% | -1,576 bps | |
| Net Interest Margin | 3.40% | 3.31% | 3.27% | 3.22% | 3.15% | 3.23% | 3.15% | 2.94% | -28 bps | |
| Efficiency Ratio | 84.20% | 87.77% | 94.11% | 96.25% | 93.54% | 98.74% | 126.82% | 132.60% | +3,635 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.28% | 3.99% | 1.46% | 1.40% | -1.01% | -2.58% | -4.49% | -9.83% | -1,123 bps | |
| Loan Growth (YoY) | 10.44% | 2.77% | -1.25% | -4.52% | -3.68% | -4.20% | -4.52% | -10.28% | -576 bps | |
| Share Growth (YoY) | 7.18% | 4.03% | -0.37% | 0.53% | 0.06% | -3.82% | -3.70% | -10.44% | -1,097 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.89% | 3.32% | 2.77% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.43% | 11.23% | 11.28% | 11.00% | 11.38% | 10.58% | 10.74% | 10.52% | -47 bps | |
| Net Worth / Assets | 11.43% | 11.23% | 11.28% | 11.00% | 11.38% | 10.58% | 10.74% | 10.52% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.87% | 107.64% | 109.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |