Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $80.1M | $68.9M | $42.6M | $11.0M | $110K | 0.14% | 1.83% | 0.09% | 3,431 |
| Q3 2025 | $81.0M | $68.9M | $43.5M | $12.0M | $1.1M | 1.74% | 3.32% | 0.05% | 3,434 |
| Q2 2025 | $84.0M | $72.2M | $43.1M | $11.6M | $678K | 1.61% | 3.17% | 0.05% | 3,425 |
| Q1 2025 | $82.0M | $70.6M | $43.6M | $11.2M | $326K | 1.59% | 3.12% | 0.05% | 3,413 |
| Q4 2024 | $79.3M | $67.8M | $45.0M | $10.9M | $1.6M | 1.99% | 3.45% | 0.05% | 3,415 |
| Q3 2024 | $77.4M | $66.3M | $45.2M | $10.6M | $1.2M | 2.14% | 3.53% | 0.05% | 3,421 |
| Q2 2024 | $77.3M | $66.5M | $45.0M | $10.2M | $838K | 2.17% | 3.55% | 0.12% | 3,405 |
Loan mix (Q4 2025): real estate $29.3M · commercial $107K · consumer $12.7M · securities $16.4M
Nothing unusual in — — steady quarter.
| Ratio | Credit Union Of Vermont | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.83% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% |
Peer lists, growth filters, CSV export, CRM push.
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Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Credit Union Of Vermont | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Credit Union Of Vermont | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Credit Union Of Vermont | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Credit Union Of Vermont | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.