One Credit Union
Total assets
$263.2M
▲ +0.8% YoY
Shares & deposits
$245.3M
▲ +0.5% YoY
Loans
$191.7M
▲ +2.4% YoY
Members
18,255
▼ -2.0% YoY
ROA (annualized)
0.22%
peers 0.69%
ROE (annualized)
2.81%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | One Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.9% | -3.1 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.5 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 380 River St, Springfield, VT, 05156
- NCUA charter #
- 63923
- RSSD ID
- 669395
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $263.2M | $245.3M | $191.7M | $20.5M | $144K | 0.22% | 4.16% | 1.06% | 18,255 |
| Q4 2025 | $261.1M | $243.1M | $194.4M | $20.3M | $1.1M | 0.41% | 4.07% | 1.18% | 18,443 |
| Q3 2025 | $259.8M | $241.2M | $195.0M | $20.0M | $778K | 0.40% | 4.06% | 0.71% | 18,546 |
| Q2 2025 | $262.6M | $246.1M | $190.9M | $19.5M | $279K | 0.21% | 3.95% | 0.98% | 18,574 |
| Q1 2025 | $261.2M | $244.0M | $187.2M | $19.4M | $119K | 0.18% | 3.89% | 0.93% | 18,628 |
| Q4 2024 | $259.2M | $243.3M | $191.3M | $19.3M | $-298K | -0.12% | 3.52% | 1.25% | 18,890 |
| Q3 2024 | $260.8M | $243.6M | $186.4M | $19.4M | $-116K | -0.06% | 3.44% | 1.49% | 18,890 |
| Q2 2024 | $258.7M | $242.4M | $184.8M | $19.6M | $9K | 0.01% | 3.44% | 1.49% | 19,057 |
Loan mix (Q1 2026): real estate $86.7M · commercial $25.8M · consumer $68.5M · securities $30.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.62% | 81th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 78.7% | 85th | |
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% |
Balance sheet
| Ratio | One Credit Union | Trend (8q) | 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% |
Capital
| Ratio | One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | One Credit Union | Trend (8q) | 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% |
Franchise
| Ratio | One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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