BlastPoint's Credit Union Scorecard

GREEN MOUNTAIN

Charter #63859 · VT

1077 CUs in 100M-500M nationally 3 in VT

GREEN MOUNTAIN has 9 strengths but faces 12 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 7.5% in tier
+ Net Interest Margin 0.40% above tier average
+ Strong member growth: 110.4% YoY
+ Member Growth Rate: Top 0.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Asset Growth Rate: Top 0.6% in tier
+ Loan Growth Rate: Top 0.6% in tier
+ Deposit Growth Rate: Top 0.7% in tier
+ Loan-to-Share Ratio: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 0.2% in tier
- Liquidity Strain: Bottom 0.3% in tier
- Credit Risk Growth: Bottom 12.1% in tier
- Credit Quality Pressure: Bottom 27.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 0.48% above tier (higher cost structure)
- Delinquency rate 2.96% above tier average
- AMR Growth Rate: Bottom 0.6% in tier
- Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- First Mortgage Concentration (%): Bottom 4.4% in tier
- Fee Income Per Member: Bottom 4.7% in tier
- Share Certificate Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	9,977 +110.4% YoY+117.2% QoQ	-5.7K	15,628 -3.4% YoY	29,911 +10.3% YoY	33,089 +6.1% YoY	30%
Assets	$158.1M +55.4% YoY+54.9% QoQ	$-73.2M	$231.3M -0.0% YoY	$474.3M +11.3% YoY	$547.7M +7.8% YoY	34%
Loans	$138.2M +54.2% YoY+54.6% QoQ	$-9.5M	$147.8M -1.4% YoY	$376.7M +12.8% YoY	$388.7M +8.6% YoY	56%
Deposits	$129.1M +51.3% YoY+52.3% QoQ	$-71.2M	$200.3M -0.0% YoY	$399.6M +12.0% YoY	$464.6M +9.3% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -61.8% YoY-40.3% QoQ	-0.3%	0.8% +15.5% YoY	0.8% +14.5% YoY	0.7% +273.4% YoY	30%
NIM	4.0% -12.5% YoY-10.2% QoQ	+0.4%	3.6% +6.9% YoY	4.2% +0.1% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	77.8% +8.5% YoY-1.6% QoQ	+0.5%	77.3% -3.0% YoY	78.8% -0.4% YoY	79.1% -3.3% YoY	53%
Delinquency Rate	3.8% +0.7% YoY+16.0% QoQ	+3.0	0.9% +7.6% YoY	1.4% +18.2% YoY	1.2% -0.9% YoY	Top 0.8% in tier
Loan To Share	107.1% +1.9% YoY+1.5% QoQ	+34.4%	72.7% -1.5% YoY	82.0% -5.1% YoY	68.0% -1.7% YoY	Top 1.4% in tier
AMR	$26,792 -27.4% YoY-29.3% QoQ	+$2K	$24,363 +2.9% YoY	$19,091 -0.7% YoY	$19,418 +1.3% YoY	72%
CD Concentration	40.7% -21.8% YoY-16.6% QoQ	+16.3%	24.4% +4.2% YoY	22.7% -1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	4.9% -7.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#138 of 603 • Top 7.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 110.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.48%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#3 of 244 • Bottom 0.2% in tier

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

Why This Signature

AMR Growth (YoY): -27.36%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Strain

risk

#3 of 258 • Bottom 0.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 107.13%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 54.24%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#182 of 446 • Bottom 12.1% in tier

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

Why This Signature

Loan Growth (YoY): 54.24%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#669 of 736 • Bottom 27.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 110.40%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 55.42%

Peer Avg: -

#7 of 1077 Top 0.6% in 100M-500M tier

Loan Growth Rate

growth

Value: 54.24%

Peer Avg: -

#8 of 1077 Top 0.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 51.34%

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 107.13%

Peer Avg: -

#15 of 1077 Top 1.3% in 100M-500M tier

150

Loan-to-Member Ratio (LMR)

engagement

Value: $13,857

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1072

AMR Growth Rate

growth

Value: -27.36%

Peer Avg: -

#1072 of 1077 Bottom 0.6% in 100M-500M tier

1069

Total Delinquency Rate (60+ days)

risk

Value: 3.82%

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1031

First Mortgage Concentration (%)

balance_sheet

Value: 63.68%

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

1027

Fee Income Per Member

profitability

Value: $66.65

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

1006

Share Certificate Concentration (%)

balance_sheet

Value: 40.75%

Peer Avg: -

#1006 of 1077 Bottom 6.7% in 100M-500M tier