BlastPoint's Credit Union Scorecard

GREEN MOUNTAIN

Charter #63859 · VT

100M-500M

1070 CUs in 100M-500M nationally 2 in VT

GREEN MOUNTAIN has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

VT Analysis

How does VT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 1.20% above tier average
+ Strong member growth: 116.3% YoY
+ Member Growth Rate: Top 0.1% in tier
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Loan Growth Rate: Top 0.5% in tier
+ Asset Growth Rate: Top 0.6% in tier
+ Deposit Growth Rate: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Delinquency rate 2.68% above tier average
- AMR Growth Rate: Bottom 0.4% in tier
- Total Delinquency Rate (60+ days): Bottom 1.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	10,123 +116.3% YoY+2.5% QoQ	-5.0K	15,145 -2.5% YoY	34,947 +27.0% YoY	33,913 +5.7% YoY	33%
Assets	$151.5M +46.1% YoY-1.3% QoQ	$-80.2M	$231.7M +0.8% YoY	$561.0M +28.1% YoY	$578.3M +9.0% YoY	31%
Loans	$135.4M +52.7% YoY-0.6% QoQ	$-8.7M	$144.1M +0.2% YoY	$444.4M +31.6% YoY	$402.4M +8.7% YoY	56%
Deposits	$116.3M +34.4% YoY-5.5% QoQ	$-84.9M	$201.1M +0.4% YoY	$477.2M +28.5% YoY	$494.3M +9.1% YoY	22%

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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	0.4% -64.7% YoY-17.7% QoQ	-0.4%	0.7% +5.1% YoY	-0.0% -100.2% YoY	0.4% -39.2% YoY	26%
NIM	4.8% +7.8% YoY+36.3% QoQ	+1.2%	3.6% +4.6% YoY	4.2% +0.1% YoY	3.8% +4.1% YoY	Top 4.3% in tier
Efficiency Ratio	69.5% -10.6% YoY-14.3% QoQ	-8.5%	78.0% -1.7% YoY	97.1% +12.1% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	3.5% +29.0% YoY-25.4% QoQ	+2.7	0.8% +7.1% YoY	1.6% +62.8% YoY	1.2% +3.4% YoY	Bottom 1.4% in tier
Loan To Share	116.5% +13.7% YoY+5.2% QoQ	+46.1%	70.4% -0.4% YoY	82.0% -1.5% YoY	65.6% -1.4% YoY	Top 0.2% in tier
AMR	$24,866 -33.6% YoY-5.3% QoQ	$-52	$24,918 +2.7% YoY	$18,239 -7.1% YoY	$19,920 +1.6% YoY	60%
CD Concentration	38.5% -26.3% YoY-4.2% QoQ	+14.2%	24.3%	21.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#93 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 116.26%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.35%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#1 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 116.48%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 52.74%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#1 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -33.56%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#4 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 52.74%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.78% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#54 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.78% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 116.26%

Peer Median: -0.06%

#1 of 1070 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 116.48%

Peer Median: 71.88%

#2 of 1070 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 52.74%

Peer Median: 2.93%

#6 of 1070 Top 0.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 46.14%

Peer Median: 3.91%

#7 of 1070 Top 0.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 34.38%

Peer Median: 3.30%

#9 of 1070 Top 0.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.83%

Peer Median: 3.62%

#46 of 1070 Top 4.2% in 100M-500M tier

180

Loan-to-Member Ratio (LMR)

engagement

Value: $13,379

Peer Median: $9,356

#180 of 1070 Top 16.7% in 100M-500M tier

250

Efficiency Ratio

profitability

Value: 69.51%

Peer Median: 78.68%

#250 of 1070 Top 23.3% in 100M-500M tier

Top Weaknesses (8 metrics)

1067

AMR Growth Rate

growth

Value: -33.56%

Peer Median: 3.46%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1056

Total Delinquency Rate (60+ days)

risk

Value: 3.46%

Peer Median: 0.61%

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1023

First Mortgage Concentration (%)

balance_sheet

Value: 63.29%

Peer Median: 29.47%

#1023 of 1070 Bottom 4.5% in 100M-500M tier

1006

Fee Income Per Member

profitability

Value: $66.31

Peer Median: $154.95

#1006 of 1070 Bottom 6.1% in 100M-500M tier

971

Share Certificate Concentration (%)

balance_sheet

Value: 38.48%

Peer Median: 23.10%

#971 of 1070 Bottom 9.3% in 100M-500M tier

930

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: 0.35%

#930 of 1070 Bottom 13.2% in 100M-500M tier

877

Members Per Employee (MPE)

engagement

Value: 246.902

Peer Median: 309.176

#877 of 1070 Bottom 18.1% in 100M-500M tier

837

Total Deposits

balance_sheet

Value: $116.28M

Peer Median: $171.29M

#837 of 1070 Bottom 21.9% in 100M-500M tier