| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +5.1% | +5.1 pts |
| Share growth (YoY) | +13.5% | +4.9% | +8.7 pts |
| Loan growth (YoY) | +11.9% | +5.4% | +6.5 pts |
| ROA | 0.87% | 0.71% | +0.2 pts |
| ROE | 8.1% | 6.3% | +1.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.13B | $1.00B | $899.8M | $120.6M | $2.4M | 0.87% | 3.46% | 0.49% | 62,966 |
| Q4 2025 | $1.03B | $900.2M | $861.8M | $107.6M | $9.3M | 0.90% | 3.31% | 0.45% | 58,974 |
| Q3 2025 | $1.02B | $895.6M | $836.2M | $105.0M | $6.7M | 0.87% | 3.27% | 0.43% | 58,570 |
| Q2 2025 | $1.01B | $884.7M | $812.5M | $102.3M | $4.0M | 0.79% | 3.23% | 0.39% | 57,863 |
| Q1 2025 | $1.03B | $882.0M | $804.0M | $100.2M | $1.9M | 0.75% | 3.09% | 0.37% | 57,213 |
| Q4 2024 | $995.2M | $854.3M | $804.0M | $98.4M | $7.5M | 0.76% | 2.99% | 0.37% | 56,495 |
| Q3 2024 | $976.4M | $837.3M | $783.0M | $95.2M | $5.6M | 0.76% | 3.00% | 0.30% | 55,762 |
| Q2 2024 | $955.7M | $846.1M | $756.3M | $93.3M | $3.7M | 0.77% | 3.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.71% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.3% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 55,023 |
Loan mix (Q1 2026): real estate $521.4M · commercial $125.3M · consumer $197.1M · securities $94.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 73.0% | 69th |
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 | Value | 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | 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% |
| Ratio | Value | 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% |
| Ratio | Value | 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% |
The full ratio pack is part of CharterBench Pro.
8 branches in 4 counties across 1 state (-1 vs 2024). Biggest market: Chittenden, VT, ranked 6th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chittenden, VT | 4 | $442.3M* | 4.82% | 6th |
| Addison, VT | 2 | $221.2M* | 20.43% | 2nd |
| Franklin, VT | 1 | $110.6M* | 9.37% | 4th |
| 1 more county with Pro → | ||||
Vermont: 10th with 3.70% · Burlington-South Burlington metro: 6th, 5.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 9 · 2025 8