NORTHEAST SCHOOLS AND HOSPITAL
Charter #64462 | VT
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in VT
NORTHEAST SCHOOLS AND HOSPITAL has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 25.75% above tier (higher cost structure)
- - Member decline: -4.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,003
-4.7% YoY-0.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
28th in tier |
| Assets |
$5.6M
+1.4% YoY+1.3% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.6% in tier |
| Loans |
$3.2M
+0.0% YoY-1.9% QoQ
|
$-12.5M |
$15.8M
-2.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
25th in tier |
| Deposits |
$5.1M
+2.4% YoY+1.6% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 23.7% in tier |
| ROA |
-0.5%
-652.8% YoY-0.2% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.6% in tier |
| NIM |
4.0%
-10.5% YoY-1.6% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
53rd in tier |
| Efficiency Ratio |
107.1%
+15.0% YoY-0.8% QoQ
|
+25.8% |
81.4%
-2.4% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
0.2%
-73.8% YoY-77.7% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
28th in tier |
| Loan To Share |
63.7%
-2.4% YoY-3.5% QoQ
|
+2.4% |
61.2%
-3.0% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
53rd in tier |
| AMR |
$8,297
+6.4% YoY+0.3% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 20.8% in tier |
| CD Concentration |
18.3%
+137.8% YoY+17.8% QoQ
|
-6.1% |
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
384
Members Per Employee (MPE)
engagement
Value:
501.500
Peer Avg: 365.701
#384 of 2596
Top 14.8% in <100M tier
506
AMR Growth Rate
growth
Value:
6.43%
Peer Avg: 4.67%
#506 of 2596
Top 19.5% in <100M tier
Top Weaknesses (8 metrics)
2415
Efficiency Ratio
profitability
Value:
107.14%
Peer Avg: 81.39%
#2415 of 2596
Bottom 7.0% in <100M tier
2372
Return on Assets (ROA)
profitability
Value:
-0.51%
Peer Avg: 0.68%
#2372 of 2596
Bottom 8.7% in <100M tier
2335
Net Worth Ratio
risk
Value:
9.09%
Peer Avg: 16.43%
#2335 of 2596
Bottom 10.1% in <100M tier
2103
Member Growth Rate
growth
Value:
-4.66%
Peer Avg: 14.92%
#2103 of 2596
Bottom 19.0% in <100M tier
2056
Average Member Relationship (AMR)
engagement
Value:
$8,297
Peer Avg: $14,627
#2056 of 2596
Bottom 20.8% in <100M tier
2037
Net Charge-Off Rate
risk
Value:
0.71%
Peer Avg: 0.57%
#2037 of 2596
Bottom 21.6% in <100M tier
2036
Total Assets
balance_sheet
Value:
$5.62M
Peer Avg: $29.86M
#2036 of 2596
Bottom 21.6% in <100M tier
1981
Total Deposits
balance_sheet
Value:
$5.08M
Peer Avg: $25.45M
#1981 of 2596
Bottom 23.7% in <100M tier