BlastPoint's Credit Union Scorecard

GREEN MOUNTAIN

Charter #63859 · VT

1069 CUs in 100M-500M nationally 3 in VT

GREEN MOUNTAIN has 8 strengths but faces 13 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 24.1% in tier
+ Strong member growth: 108.2% YoY
+ Member Growth Rate: Top 0.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Asset Growth Rate: Top 0.5% in tier
+ Loan Growth Rate: Top 0.5% in tier
+ Loan-to-Share Ratio: Top 0.6% in tier
+ Deposit Growth Rate: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.0% in tier
- Credit Risk Growth: Bottom 0.4% in tier
- Shrinking Wallet Share: Bottom 0.5% in tier
- Credit Quality Pressure: Bottom 6.4% in tier
- Efficiency Drag: Bottom 99.8% in tier
- ROA 0.33% below tier average
- Efficiency ratio 4.13% above tier (higher cost structure)
- Delinquency rate 3.74% above tier average
- AMR Growth Rate: Bottom 0.3% in tier
- Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- First Mortgage Concentration (%): Bottom 3.9% in tier
- Fee Income Per Member: Bottom 4.1% in tier
- Share Certificate Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	9,875 +108.2% YoY-1.0% QoQ	-5.6K	15,437 -2.9% YoY	32,371 +18.9% YoY	33,374 +5.7% YoY	31%
Assets	$153.4M +49.9% YoY-3.0% QoQ	$-78.4M	$231.9M +1.3% YoY	$513.7M +19.9% YoY	$561.6M +9.7% YoY	32%
Loans	$136.3M +52.0% YoY-1.4% QoQ	$-11.1M	$147.3M -0.1% YoY	$412.0M +22.2% YoY	$397.0M +8.8% YoY	56%
Deposits	$123.0M +43.5% YoY-4.7% QoQ	$-77.8M	$200.8M +0.8% YoY	$432.9M +20.3% YoY	$477.3M +9.7% YoY	28%

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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% -64.9% YoY-10.8% QoQ	-0.3%	0.8% +18.2% YoY	0.1% -81.9% YoY	0.7% +15.9% YoY	26%
NIM	3.5% -22.7% YoY-11.0% QoQ	-0.1%	3.6% +6.7% YoY	3.5% -13.4% YoY	3.8% +5.1% YoY	47%
Efficiency Ratio	81.2% +14.7% YoY+4.4% QoQ	+4.1%	77.0% -3.1% YoY	84.0% +3.1% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	4.6% +24.8% YoY+21.4% QoQ	+3.7	0.9% +4.2% YoY	1.4% +9.8% YoY	1.3% -2.1% YoY	Top 0.7% in tier
Loan To Share	110.7% +5.9% YoY+3.4% QoQ	+38.5%	72.2% -1.1% YoY	82.2% -4.3% YoY	67.4% -1.7% YoY	Top 0.7% in tier
AMR	$26,260 -29.0% YoY-2.0% QoQ	+$2K	$24,676 +3.4% YoY	$19,697 +1.5% YoY	$19,687 +2.0% YoY	68%
CD Concentration	40.2% -21.6% YoY-1.4% QoQ	+15.8%	24.4%	23.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#144 of 595 • Top 24.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 108.25%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.43%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (5)

Liquidity Strain

risk

#1 of 228 • Bottom 0.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 110.75%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 51.97%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#3 of 456 • Bottom 0.4% in tier

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

Why This Signature

Loan Growth (YoY): 51.97%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.92% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Shrinking Wallet Share

decline

#2 of 208 • Bottom 0.5% in tier

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

Why This Signature

AMR Growth (YoY): -29.02%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Quality Pressure

risk

#46 of 705 • Bottom 6.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.92% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#537 of 538 • Bottom 99.8% in tier

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

Why This Signature

Efficiency Ratio: 81.15%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.79% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 108.25%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 108.25%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 49.90%

Peer Median: -

#6 of 1069 Top 0.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 51.97%

Peer Median: -

#6 of 1069 Top 0.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 110.75%

Peer Median: -

#7 of 1069 Top 0.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 43.49%

Peer Median: -

#8 of 1069 Top 0.7% in 100M-500M tier

159

Loan-to-Member Ratio (LMR)

engagement

Value: $13,799

Peer Median: -

#159 of 1069 Top 14.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1067

AMR Growth Rate

growth

Value: -29.02%

Peer Median: -

#1067 of 1069 Bottom 0.3% in 100M-500M tier

1063

Total Delinquency Rate (60+ days)

risk

Value: 4.63%

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

1028

First Mortgage Concentration (%)

balance_sheet

Value: 65.21%

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

1026

Fee Income Per Member

profitability

Value: $67.63

Peer Median: -

#1026 of 1069 Bottom 4.1% in 100M-500M tier

986

Share Certificate Concentration (%)

balance_sheet

Value: 40.18%

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

853

Members Per Employee (MPE)

engagement

Value: 253.205

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier