BlastPoint's Credit Union Scorecard
ORLEX GOVERNMENT EMPLOYEES
Charter #64782 · VT
ORLEX GOVERNMENT EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.74% 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 0.32% below tier average
- - Efficiency ratio 16.76% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,284
-1.3% YoY-0.2% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$6.7M
-4.0% YoY+2.3% QoQ
|
$-23.4M |
$30.1M
+2.1% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$5.1M
-11.2% YoY-0.1% QoQ
|
$-10.7M |
$15.8M
-1.3% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$5.9M
-4.5% YoY+2.2% QoQ
|
$-19.7M |
$25.7M
+1.4% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.3%
-144.2% YoY+33.4% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
5.7%
+12.9% YoY-1.3% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
99.3%
+0.9% YoY+2.8% QoQ
|
+16.8% |
82.6%
-2.3% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
Top 11.7% in tier |
| Delinquency Rate |
0.4%
-70.2% YoY-75.9% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
86.0%
-7.0% YoY-2.3% QoQ
|
+25.4% |
60.6%
-3.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$8,606
-6.5% YoY+1.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
32.8%
-18.3% YoY+0.0% QoQ
|
+8.4% | 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)