BlastPoint's Credit Union Scorecard
VERMONT
Charter #24405 · VT
VERMONT has 5 strengths but faces 6 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 Engine: Top 25.6% in tier
- + Emerging Performer: Top 42.1% in tier
- + Organic Growth Leader: Top 44.7% in tier
- + ROA 0.22% above tier average
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 49.1% in tier
- - Credit Risk Growth: Bottom 66.3% in tier
- - Credit Quality Pressure: Bottom 70.0% in tier
- - Efficiency ratio 1.39% above tier (higher cost structure)
- - Total Assets: Bottom 2.6% in tier
- - Total Deposits: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,974
+4.4% YoY+0.7% QoQ
|
-38.5K |
97,431
-2.4% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
Bottom 13.2% in tier |
| Assets |
$1.0B
+3.5% YoY+0.7% QoQ
|
$-692.9M |
$1.7B
+0.9% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.3% in tier |
| Loans |
$861.8M
+7.2% YoY+3.1% QoQ
|
$-372.6M |
$1.2B
+0.5% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$900.2M
+5.4% YoY+0.5% QoQ
|
$-559.1M |
$1.5B
+0.9% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.6% in tier |
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| ROA |
0.9%
+18.5% YoY+3.3% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.3%
+10.0% YoY+0.9% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
75.4%
-3.0% YoY-0.5% QoQ
|
+1.4% |
74.1%
-9.5% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.4%
+21.3% YoY+4.0% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
95.7%
+1.7% YoY+2.5% QoQ
|
+10.9% |
84.8%
-0.8% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$29,878
+1.8% YoY+1.0% QoQ
|
+$449 |
$29,428
+2.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
24.4%
-4.9% YoY-1.6% QoQ
|
-4.6% | 29.0% | 23.0% | 19.8% | 30% |
| Indirect Auto % |
8.0%
-0.5% YoY-5.8% QoQ
|
-10.3% | 18.3% | 5.2% | 7.8% | 32% |
Signature Analysis
Strengths (3)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)