BlastPoint's Credit Union Scorecard
ORLEX GOVERNMENT EMPLOYEES
Charter #64782 · VT
ORLEX GOVERNMENT EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.11% above tier average
- + Loan-to-Share Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.08% below tier average
- - Efficiency ratio 19.83% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Vermont.
- Shares and deposits +3.2% year over year ($6.2M in shares and deposits).
- Membership: 1,290 members, +0.2% vs a year ago.
- Delinquency rate 1.63%.
- Return on assets 0.42%.
- Efficiency ratio 108.60% vs a 88.77% peer average.
- Loan-to-share ratio 90.75% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,290
+0.2% YoY+0.7% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$6.9M
+2.9% YoY-0.9% QoQ
|
$-23.3M |
$30.3M
+1.5% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$5.6M
+4.4% YoY+8.2% QoQ
|
$-9.8M |
$15.5M
-1.7% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$6.2M
+3.2% YoY-1.1% QoQ
|
$-19.6M |
$25.8M
+1.1% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.4%
+387.4% YoY-162.2% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
5.0%
-12.9% YoY+1.6% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
108.6%
+8.3% YoY-6.5% QoQ
|
+19.8% |
88.8%
-6.9% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
1.6%
+7.8% YoY+120.5% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
90.7%
+1.2% YoY+9.4% QoQ
|
+31.9% |
58.9%
-3.1% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
Top 8.5% in tier |
| AMR |
$9,157
+3.6% YoY+2.4% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
33.4%
+8.2% YoY+3.9% QoQ
|
+8.8% | 24.6% | 23.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.8% | 7.7% | 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)