BlastPoint's Credit Union Scorecard
VERMONT
Charter #24405 · VT
VERMONT has 8 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does VT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 7.6% in tier
- + Organic Growth Engine: Top 7.6% in tier
- + Emerging Performer: Top 34.2% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.11% above tier average
- + Strong member growth: 10.1% YoY
- + Member Growth Rate: Top 7.2% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.5% in tier
- - Credit Quality Pressure: Bottom 28.4% in tier
- - Efficiency ratio 3.35% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,966
+10.1% YoY+6.8% QoQ
|
-33.1K |
96,048
-2.7% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$1.1B
+10.2% YoY+9.6% QoQ
|
$-590.5M |
$1.7B
+0.4% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.1% in tier |
| Loans |
$899.8M
+11.9% YoY+4.4% QoQ
|
$-313.9M |
$1.2B
+0.2% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$1.0B
+13.5% YoY+11.2% QoQ
|
$-464.3M |
$1.5B
+0.5% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.9%
+13.7% YoY-4.4% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
3.5%
+10.5% YoY+4.2% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
78.0%
+1.7% YoY+3.4% QoQ
|
+3.3% |
74.6%
-3.0% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
0.5%
+33.6% YoY+9.9% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
89.9%
-1.4% YoY-6.1% QoQ
|
+6.7% |
83.2%
-0.4% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$30,192
+2.5% YoY+1.1% QoQ
|
+$540 |
$29,652
+2.3% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
61% |
| CD Concentration |
24.8%
-1.1% YoY+1.7% QoQ
|
-4.0% | 28.8% | 21.8% | 19.8% | 33% |
| Indirect Auto % |
7.5%
-7.7% YoY-6.9% QoQ
|
-10.6% | 18.1% | 5.5% | 7.7% | 31% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)