BlastPoint's Credit Union Scorecard

VERMONT

Charter #24405 · VT

Mid-Market 1B-3B

Vermont Federal at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Vermont Federal is one of 101 credit unions in the 2026 VentureTech card set. We also found Vermont Federal's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Vermont Federal

Turn your sound on

Tap a card to see it up close

VERMONT FEDERAL
PEER · AT VENTURETECH
PEER · AT VENTURETECH
VERMONT FEDERAL'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 2 in VT

View Mid-Market leaderboard →

VERMONT has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VT Analysis

How does VT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 8.3% in tier
+ ROA 0.07% above tier average
+ Net Interest Margin 0.12% above tier average
+ Strong member growth: 9.8% YoY
+ Deposit Growth Rate: Top 6.7% in tier
+ Member Growth Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 21.5% in tier
- Credit Quality Pressure: Bottom 39.2% in tier
- Efficiency ratio 3.61% above tier (higher cost structure)

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	63,532 +9.8% YoY+0.9% QoQ	-33.3K	96,861 -1.9% YoY	37,967 +37.2% YoY	34,678 +6.6% YoY	19%
Assets	$1.1B +12.7% YoY+1.0% QoQ	$-584.1M	$1.7B +0.4% YoY	$616.1M +40.0% YoY	$593.1M +10.2% YoY	16%
Loans	$901.0M +10.9% YoY+0.1% QoQ	$-333.2M	$1.2B +0.7% YoY	$487.9M +41.8% YoY	$418.6M +10.1% YoY	26%
Deposits	$1.0B +14.4% YoY+1.1% QoQ	$-451.1M	$1.5B +0.5% YoY	$523.2M +40.1% YoY	$504.8M +10.3% YoY	22%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +12.2% YoY+2.4% QoQ	+0.1%	0.8% +27.6% YoY	0.7% +9.2% YoY	1.2% +121.4% YoY	62%
NIM	3.5% +10.4% YoY+2.3% QoQ	+0.1%	3.4% +6.6% YoY	4.2% +1.7% YoY	3.8% +2.3% YoY	56%
Efficiency Ratio	76.6% -0.8% YoY-1.7% QoQ	+3.6%	73.0% -2.7% YoY	84.8% +1.1% YoY	83.0% -5.3% YoY	64%
Delinquency Rate	0.5% +19.3% YoY-4.6% QoQ	-0.4	0.9% +7.3% YoY	1.6% +27.6% YoY	1.3% +2.6% YoY	26%
Loan To Share	89.0% -3.1% YoY-1.0% QoQ	+4.3%	84.7% +0.1% YoY	83.0% -0.1% YoY	66.4% -1.4% YoY	56%
AMR	$30,115 +2.7% YoY-0.3% QoQ	+$540	$29,575 +1.5% YoY	$19,847 +0.2% YoY	$20,028 -0.9% YoY	62%
CD Concentration	25.2% +2.2% YoY+1.3% QoQ	-3.9%	29.1%	23.4%	20.0%	32%
Indirect Auto %	7.3% -8.3% YoY-1.7% QoQ	-10.8%	18.1%	5.8%	7.7%	30%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#14 of 112 • Top 8.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.80%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 7.33%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Emerging Performer

growth

#13 of 82 • Top 41.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.89%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 9.80%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank improving

Organic Growth Engine

growth

#24 of 113 • Top 8.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.80%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.89%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 7.33%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (2)

Credit Risk Growth

risk

#70 of 170 • Bottom 21.5% in tier

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

Why This Signature

Loan Growth (YoY): 10.89%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#146 of 215 • Bottom 39.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (5 metrics)

Deposit Growth Rate

growth

Value: 14.42%

Peer Median: 4.79%

#21 of 300 Top 6.7% in 1B-3B tier

Member Growth Rate

growth

Value: 9.80%

Peer Median: 1.84%

#23 of 300 Top 7.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 12.74%

Peer Median: 5.21%

#30 of 300 Top 9.7% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.89%

Peer Median: 5.71%

#62 of 300 Top 20.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Median: 0.52%

#63 of 300 Top 20.7% in 1B-3B tier

Top Weaknesses (4 metrics)

257

First Mortgage Concentration (%)

balance_sheet

Value: 48.87%

Peer Median: 33.59%

#257 of 300 Bottom 14.7% in 1B-3B tier

251

Total Assets

balance_sheet

Value: $1.14B

Peer Median: $1.51B

#251 of 300 Bottom 16.7% in 1B-3B tier

243

Total Members

engagement

Value: 63,532

Peer Median: 86,516

#243 of 300 Bottom 19.3% in 1B-3B tier

234

Total Deposits

balance_sheet

Value: $1.01B

Peer Median: $1.30B

#234 of 300 Bottom 22.3% in 1B-3B tier