WHITE RIVER
Charter #64421 | VT
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in VT
WHITE RIVER has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,925
-2.5% YoY-0.7% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
Top 22.1% in tier |
| Assets |
$53.2M
+9.6% YoY+3.2% QoQ
|
+$23.4M |
$29.9M
+1.1% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Top 20.9% in tier |
| Loans |
$31.0M
-1.1% YoY-1.4% QoQ
|
+$15.2M |
$15.8M
-2.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
Top 17.3% in tier |
| Deposits |
$46.3M
+8.8% YoY+3.1% QoQ
|
+$20.8M |
$25.5M
+0.4% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
Top 20.6% in tier |
| ROA |
1.5%
-30.4% YoY+0.1% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
Top 20.0% in tier |
| NIM |
4.8%
-1.7% YoY+0.6% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
Top 19.7% in tier |
| Efficiency Ratio |
72.3%
+14.9% YoY+0.3% QoQ
|
-9.1% |
81.4%
-2.4% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
36th in tier |
| Delinquency Rate |
1.2%
+71.9% YoY-12.4% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
67th in tier |
| Loan To Share |
67.0%
-9.1% YoY-4.3% QoQ
|
+5.7% |
61.2%
-3.0% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
58th in tier |
| AMR |
$19,676
+7.3% YoY+1.9% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
Top 21.6% in tier |
| CD Concentration |
10.9%
+22.4% YoY-2.4% QoQ
|
-13.5% |
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 (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
239
Asset Growth Rate
growth
Value:
9.64%
Peer Avg: 1.82%
#239 of 2596
Top 9.2% in <100M tier
296
Deposit Growth Rate
growth
Value:
8.80%
Peer Avg: 16.80%
#296 of 2596
Top 11.4% in <100M tier
420
AMR Growth Rate
growth
Value:
7.31%
Peer Avg: 4.67%
#420 of 2596
Top 16.1% in <100M tier
449
Total Loans
balance_sheet
Value:
$30.97M
Peer Avg: $15.77M
#449 of 2596
Top 17.3% in <100M tier
484
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,891
Peer Avg: $5,488
#484 of 2596
Top 18.6% in <100M tier
512
Net Interest Margin (NIM)
profitability
Value:
4.76%
Peer Avg: 3.93%
#512 of 2596
Top 19.7% in <100M tier
519
Return on Assets (ROA)
profitability
Value:
1.51%
Peer Avg: 0.68%
#519 of 2596
Top 20.0% in <100M tier
534
Total Deposits
balance_sheet
Value:
$46.26M
Peer Avg: $25.45M
#534 of 2596
Top 20.5% in <100M tier
543
Total Assets
balance_sheet
Value:
$53.22M
Peer Avg: $29.86M
#543 of 2596
Top 20.9% in <100M tier
Top Weaknesses (1 metrics)
2150
First Mortgage Concentration (%)
balance_sheet
Value:
33.40%
Peer Avg: 14.49%
#2150 of 2596
Bottom 17.2% in <100M tier