GREEN MOUNTAIN

Charter #63859 | VT

100M-500M (1077 CUs) Micro
3 100M-500M in VT

GREEN MOUNTAIN has 10 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 7.5% in tier
  • + Emerging Performer: Top 9.9% 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
  • - Growth-at-Risk: Bottom 12.1% in tier
  • - Credit Quality Pressure: Bottom 27.0% in tier
  • - Liquidity Overhang: Bottom 35.5% 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
 30th in tier
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
 34th in tier
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
 56th in tier
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
 30th in tier
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
 30th in tier
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
 72nd in tier
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
 53rd in tier
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
 72nd in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.9%
-7.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

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: 13.96%, 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

Emerging Performer

growth
#186 of 627 • Top 9.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 110.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

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: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

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: 3.64%, 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

Liquidity Overhang

risk
#550 of 552 • Bottom 35.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.11%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 107.13%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
Member Growth Rate
growth
Value: 110.40%
Peer Avg: 0.72%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
7
Asset Growth Rate
growth
Value: 55.42%
Peer Avg: 4.70%
#7 of 1077 Top 0.6% in 100M-500M tier
8
Loan Growth Rate
growth
Value: 54.24%
Peer Avg: 3.45%
#8 of 1077 Top 0.6% in 100M-500M tier
9
Deposit Growth Rate
growth
Value: 51.34%
Peer Avg: 4.69%
#9 of 1077 Top 0.7% in 100M-500M tier
15
Loan-to-Share Ratio
balance_sheet
Value: 107.13%
Peer Avg: 72.70%
#15 of 1077 Top 1.3% in 100M-500M tier
150
Loan-to-Member Ratio (LMR)
engagement
Value: $13,857
Peer Avg: $10,245
#150 of 1077 Top 13.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1072
AMR Growth Rate
growth
Value: -27.36%
Peer Avg: 3.64%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1069
Total Delinquency Rate (60+ days)
risk
Value: 3.82%
Peer Avg: 0.86%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1031
First Mortgage Concentration (%)
balance_sheet
Value: 63.68%
Peer Avg: 30.43%
#1031 of 1077 Bottom 4.4% in 100M-500M tier
1027
Fee Income Per Member
profitability
Value: $66.65
Peer Avg: $174.31
#1027 of 1077 Bottom 4.7% in 100M-500M tier
1006
Share Certificate Concentration (%)
balance_sheet
Value: 40.75%
Peer Avg: 23.61%
#1006 of 1077 Bottom 6.7% in 100M-500M tier