BlastPoint's Credit Union Scorecard
CREDIT UNION OF VERMONT
Charter #63896 · VT
CREDIT UNION OF VERMONT has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Total Deposits: Top 7.4% in tier
- + Total Assets: Top 7.7% in tier
- + Total Loans: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 9.36% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - First Mortgage Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,431
+0.5% YoY-0.1% QoQ
|
+815 |
2,615
-1.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$80.1M
+1.0% YoY-1.2% QoQ
|
+$49.9M |
$30.1M
+2.1% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
Top 7.7% in tier |
| Loans |
$42.6M
-5.4% YoY-2.2% QoQ
|
+$26.8M |
$15.8M
-1.3% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
Top 8.7% in tier |
| Deposits |
$68.9M
+1.7% YoY+0.1% QoQ
|
+$43.2M |
$25.7M
+1.4% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
Top 7.4% in tier |
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| ROA |
0.1%
-93.2% YoY-92.0% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
1.8%
-47.9% YoY-44.3% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
91.9%
+93.1% YoY+74.2% QoQ
|
+9.4% |
82.6%
-2.3% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.1%
+76.8% YoY+104.7% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
61.8%
-7.0% YoY-2.2% QoQ
|
+1.2% |
60.6%
-3.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$32,500
-1.6% YoY-0.7% QoQ
|
+$18K |
$14,783
-1.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
Top 3.1% in tier |
| CD Concentration |
33.8%
-4.3% YoY-6.3% QoQ
|
+9.4% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)