BlastPoint's Credit Union Scorecard

GREEN MOUNTAIN

Charter #63859 · VT

100M-500M

1024 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 0.84% above tier average
+ Strong member growth: 99.0% YoY
+ Member Growth Rate: Top 0.1% in tier
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Loan Growth Rate: Top 0.1% in tier
+ Asset Growth Rate: Top 0.3% in tier
+ Deposit Growth Rate: Top 0.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 3.36% above tier (higher cost structure)
- Delinquency rate 3.03% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 2 that size in Vermont.
Shares and deposits +35.5% year over year ($115M in shares and deposits).
Membership: 9,140 members, +99.0% vs a year ago.
Delinquency rate 3.91%.
Return on assets 0.32%.
Efficiency ratio 80.10% vs a 76.73% peer average.
Loan-to-share ratio 120.54% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	9,140 +99.0% YoY-9.7% QoQ	-6.0K	15,168 -2.6% YoY	37,967 +37.2% YoY	34,678 +6.6% YoY	26%
Assets	$152.0M +48.8% YoY+0.3% QoQ	$-80.0M	$232.0M +0.7% YoY	$616.1M +40.0% YoY	$593.1M +10.2% YoY	31%
Loans	$138.4M +54.7% YoY+2.2% QoQ	$-7.9M	$146.3M +0.2% YoY	$487.9M +41.8% YoY	$418.6M +10.1% YoY	56%
Deposits	$114.8M +35.5% YoY-1.3% QoQ	$-85.9M	$200.7M +0.2% YoY	$523.2M +40.1% YoY	$504.8M +10.3% YoY	21%

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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	0.3% -60.1% YoY-9.0% QoQ	-0.5%	0.9% +12.5% YoY	0.7% +9.2% YoY	1.2% +121.4% YoY	16%
NIM	4.5% +2.0% YoY-6.4% QoQ	+0.8%	3.7% +4.5% YoY	4.2% +1.7% YoY	3.8% +2.3% YoY	Top 10.4% in tier
Efficiency Ratio	80.1% +1.3% YoY+15.2% QoQ	+3.4%	76.7% -0.8% YoY	84.8% +1.1% YoY	83.0% -5.3% YoY	58%
Delinquency Rate	3.9% +18.9% YoY+13.1% QoQ	+3.0	0.9% +6.6% YoY	1.6% +27.6% YoY	1.3% +2.6% YoY	Bottom 1.2% in tier
Loan To Share	120.5% +14.2% YoY+3.5% QoQ	+49.0%	71.5% -0.3% YoY	83.0% -0.1% YoY	66.4% -1.4% YoY	Top 0.1% in tier
AMR	$27,695 -27.0% YoY+11.4% QoQ	+$3K	$25,107 +3.2% YoY	$19,847 +0.2% YoY	$20,028 -0.9% YoY	73%
CD Concentration	36.9% -24.6% YoY-4.2% QoQ	+12.3%	24.6%	23.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.8%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#64 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 99.00%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.32%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#1 of 472 • 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): 54.68%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.62% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Liquidity Strain

risk

#1 of 224 • 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: 120.54%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 54.68%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#2 of 223 • 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): -26.96%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Quality Pressure

risk

#103 of 693 • 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): 0.62% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Efficiency Drag

risk

#529 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.10%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.48% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 99.00%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 99.00%

Peer Median: -0.03%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 120.54%

Peer Median: 73.07%

#1 of 1024 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 54.68%

Peer Median: 3.02%

#2 of 1024 Top 0.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 48.82%

Peer Median: 4.12%

#4 of 1024 Top 0.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 35.50%

Peer Median: 3.58%

#7 of 1024 Top 0.6% in 100M-500M tier

106

Net Interest Margin (NIM)

profitability

Value: 4.53%

Peer Median: 3.67%

#106 of 1024 Top 10.3% in 100M-500M tier

117

Loan-to-Member Ratio (LMR)

engagement

Value: $15,137

Peer Median: $9,434

#117 of 1024 Top 11.3% in 100M-500M tier

Top Weaknesses (8 metrics)

1022

AMR Growth Rate

growth

Value: -26.96%

Peer Median: 3.53%

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1013

Total Delinquency Rate (60+ days)

risk

Value: 3.91%

Peer Median: 0.71%

#1013 of 1024 Bottom 1.2% in 100M-500M tier

970

First Mortgage Concentration (%)

balance_sheet

Value: 61.70%

Peer Median: 29.92%

#970 of 1024 Bottom 5.4% in 100M-500M tier

920

Fee Income Per Member

profitability

Value: $86.71

Peer Median: $159.88

#920 of 1024 Bottom 10.3% in 100M-500M tier

905

Share Certificate Concentration (%)

balance_sheet

Value: 36.86%

Peer Median: 23.39%

#905 of 1024 Bottom 11.7% in 100M-500M tier

856

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: 0.75%

#856 of 1024 Bottom 16.5% in 100M-500M tier

807

Total Deposits

balance_sheet

Value: $114.78M

Peer Median: $170.77M

#807 of 1024 Bottom 21.3% in 100M-500M tier

771

Net Charge-Off Rate

risk

Value: 0.62%

Peer Median: 0.34%

#771 of 1024 Bottom 24.8% in 100M-500M tier