VERMONT

Charter #24405 | VT

1B-3B (304 CUs) Mid-Market (380 CUs)
2 1B-3B in VT

VERMONT has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 4.3% in tier
  • + Organic Growth Engine: Top 7.0% in tier
  • + Organic Growth Leader: Top 12.5% in tier
  • + Relationship Depth Leader: Top 18.6% in tier
  • + Wallet Share Momentum: Top 31.3% in tier
  • + ROA 0.17% above tier average
  • + Net Interest Margin 0.03% above tier average
  • + Strong member growth: 5.0% YoY

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 14.1% in tier
  • - Growth-at-Risk: Bottom 14.2% in tier
  • - Liquidity Strain: Bottom 23.7% in tier
  • - Efficiency ratio 1.85% above tier (higher cost structure)
  • - Total Assets: Bottom 2.6% in tier
  • - Total Deposits: Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Members 58,570
+5.0% YoY+1.2% QoQ
 -40.1K 98,678
-1.9% YoY
 29,911
+10.3% YoY
 33,089
+6.1% YoY
 Bottom 12.8% in tier
Assets $1.0B
+4.8% YoY+1.2% QoQ
 $-696.2M $1.7B
+0.5% YoY
 $474.3M
+11.3% YoY
 $547.7M
+7.8% YoY
 Bottom 2.3% in tier
Loans $836.2M
+6.8% YoY+2.9% QoQ
 $-396.8M $1.2B
+0.5% YoY
 $376.7M
+12.8% YoY
 $388.7M
+8.6% YoY
 Bottom 18.4% in tier
Deposits $895.6M
+7.0% YoY+1.2% QoQ
 $-558.7M $1.5B
+1.3% YoY
 $399.6M
+12.0% YoY
 $464.6M
+9.3% YoY
 Bottom 5.9% in tier
ROA 0.9%
+13.6% YoY+11.0% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.8%
+14.5% YoY
 0.7%
+273.4% YoY
 67th in tier
NIM 3.3%
+8.6% YoY+2.6% QoQ
 +0.0% 3.3%
+9.3% YoY
 4.2%
+0.1% YoY
 3.7%
+5.0% YoY
 52nd in tier
Efficiency Ratio 75.8%
-2.8% YoY-1.8% QoQ
 +1.9% 74.0%
-10.9% YoY
 78.8%
-0.4% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 0.4%
+42.6% YoY+9.5% QoQ
 -0.4 0.8%
+6.1% YoY
 1.4%
+18.2% YoY
 1.2%
-0.9% YoY
 Bottom 24.3% in tier
Loan To Share 93.4%
-0.2% YoY+1.7% QoQ
 +8.2% 85.2%
-0.8% YoY
 82.0%
-5.1% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $29,568
+1.8% YoY+0.8% QoQ
 +$396 $29,172
+2.8% YoY
 $19,091
-0.7% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 24.8%
-3.5% YoY+0.9% QoQ
 -4.1% 29.0%
+0.8% YoY
 22.7%
-1.9% YoY
 19.6%
+6.2% YoY
 32nd in tier
Indirect Auto % 8.5%
+8.4% YoY+6.3% QoQ
 -10.3% 18.8%
-2.8% YoY
 4.9%
-7.0% YoY
 7.9%
-2.9% YoY
 31st in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#24 of 184 • Top 4.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.88%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 5.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Organic Growth Engine

growth
#52 of 246 • Top 7.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.88%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 8.50%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#50 of 138 • Top 12.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Relationship Depth Leader

growth
#135 of 264 • Top 18.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.76%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.3K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#227 of 264 • Top 31.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.76%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#109 of 217 • Bottom 14.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#80 of 161 • Bottom 14.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.79%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk
#125 of 183 • Bottom 23.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.37%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.79%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

54
Net Charge-Off Rate
risk
Value: 0.24%
Peer Avg: 0.60%
#54 of 304 Top 17.4% in 1B-3B tier
59
Member Growth Rate
growth
Value: 5.04%
Peer Avg: 2.20%
#59 of 304 Top 19.1% in 1B-3B tier
75
Total Delinquency Rate (60+ days)
risk
Value: 0.43%
Peer Avg: 0.83%
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (5 metrics)

297
Total Assets
balance_sheet
Value: $1.02B
Peer Avg: $1.72B
#297 of 304 Bottom 2.6% in 1B-3B tier
286
Total Deposits
balance_sheet
Value: $895.59M
Peer Avg: $1.45B
#286 of 304 Bottom 6.2% in 1B-3B tier
265
Total Members
engagement
Value: 58,570
Peer Avg: 98,678
#265 of 304 Bottom 13.2% in 1B-3B tier
257
First Mortgage Concentration (%)
balance_sheet
Value: 48.39%
Peer Avg: 34.01%
#257 of 304 Bottom 15.8% in 1B-3B tier
248
Total Loans
balance_sheet
Value: $836.22M
Peer Avg: $1.23B
#248 of 304 Bottom 18.8% in 1B-3B tier