ONE
Charter #63923 | VT
ONE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 24.1% in tier
- + Relationship Depth Leader: Top 24.3% in tier
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 14.0% in tier
- - Membership Headwinds: Bottom 21.0% in tier
- - Efficiency Drag: Bottom 23.2% in tier
- - Stagnation Risk: Bottom 24.5% in tier
- - Indirect Auto Dependency: Bottom 30.3% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 6.18% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,546
-1.8% YoY-0.2% QoQ
|
+2.9K |
15,628
-3.4% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
70th in tier |
| Assets |
$259.8M
-0.4% YoY-1.1% QoQ
|
+$28.5M |
$231.3M
-0.0% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
66th in tier |
| Loans |
$195.0M
+4.6% YoY+2.2% QoQ
|
+$47.2M |
$147.8M
-1.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
74th in tier |
| Deposits |
$241.2M
-1.0% YoY-2.0% QoQ
|
+$40.9M |
$200.3M
-0.0% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
69th in tier |
| ROA |
0.4%
-766.0% YoY+86.6% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 25.0% in tier |
| NIM |
4.0%
+17.0% YoY+2.0% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
Top 24.2% in tier |
| Efficiency Ratio |
83.5%
-4.9% YoY-2.0% QoQ
|
+6.2% |
77.3%
-3.0% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
72nd in tier |
| Delinquency Rate |
0.7%
-52.5% YoY-27.6% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
52nd in tier |
| Loan To Share |
80.8%
+5.6% YoY+4.3% QoQ
|
+8.1% |
72.7%
-1.5% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$23,519
+3.3% YoY-0.0% QoQ
|
$-845 |
$24,363
+2.9% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
57th in tier |
| CD Concentration |
23.6%
-14.2% YoY+0.2% QoQ
|
-0.8% |
24.4%
+4.2% YoY
|
22.7%
-1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
18.3%
-30.8% YoY-7.6% QoQ
|
+4.3% |
14.0%
-5.8% YoY
|
4.9%
-7.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Concerns (5)
Deposit Outflow
declineMembers staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)