ORLEX GOVERNMENT EMPLOYEES
Charter #64782 | VT
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in VT
ORLEX GOVERNMENT EMPLOYEES has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.84% 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 0.46% below tier average
- - Efficiency ratio 15.23% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
- - Asset Growth Rate: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 5.4% in tier
- - AMR Growth Rate: Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,286
-1.2% YoY-0.2% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
36th in tier |
| Assets |
$6.6M
-10.8% YoY-2.7% QoQ
|
$-23.3M |
$29.9M
+1.1% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 24.2% in tier |
| Loans |
$5.1M
-14.7% YoY-5.0% QoQ
|
$-10.7M |
$15.8M
-2.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
35th in tier |
| Deposits |
$5.8M
-11.8% YoY-3.2% QoQ
|
$-19.6M |
$25.5M
+0.4% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
0.2%
-122.7% YoY+164.9% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 24.9% in tier |
| NIM |
5.8%
+18.3% YoY+0.3% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
96.6%
+0.0% YoY-3.7% QoQ
|
+15.2% |
81.4%
-2.4% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
1.6%
+116.7% YoY+6.7% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
74th in tier |
| Loan To Share |
88.0%
-3.3% YoY-1.8% QoQ
|
+26.8% |
61.2%
-3.0% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
Top 13.1% in tier |
| AMR |
$8,493
-12.1% YoY-3.9% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.6% in tier |
| CD Concentration |
32.8%
-20.8% YoY+6.5% QoQ
|
+8.4% |
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 (5 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
142
Net Interest Margin (NIM)
profitability
Value:
5.77%
Peer Avg: 3.93%
#142 of 2596
Top 5.4% in <100M tier
335
Loan-to-Share Ratio
balance_sheet
Value:
88.02%
Peer Avg: 61.23%
#335 of 2596
Top 12.9% in <100M tier
622
Members Per Employee (MPE)
engagement
Value:
428.667
Peer Avg: 365.701
#622 of 2596
Top 23.9% in <100M tier
Top Weaknesses (10 metrics)
2480
Asset Growth Rate
growth
Value:
-10.83%
Peer Avg: 1.82%
#2480 of 2596
Bottom 4.5% in <100M tier
2457
Deposit Growth Rate
growth
Value:
-11.79%
Peer Avg: 16.80%
#2457 of 2596
Bottom 5.4% in <100M tier
2450
AMR Growth Rate
growth
Value:
-12.10%
Peer Avg: 4.67%
#2450 of 2596
Bottom 5.7% in <100M tier
2290
Loan Growth Rate
growth
Value:
-14.71%
Peer Avg: 59.01%
#2290 of 2596
Bottom 11.8% in <100M tier
2234
Share Certificate Concentration (%)
balance_sheet
Value:
32.83%
Peer Avg: 15.37%
#2234 of 2596
Bottom 14.0% in <100M tier
2230
Efficiency Ratio
profitability
Value:
96.63%
Peer Avg: 81.39%
#2230 of 2596
Bottom 14.1% in <100M tier
2035
Average Member Relationship (AMR)
engagement
Value:
$8,493
Peer Avg: $14,627
#2035 of 2596
Bottom 21.6% in <100M tier
2011
Net Worth Ratio
risk
Value:
10.69%
Peer Avg: 16.43%
#2011 of 2596
Bottom 22.6% in <100M tier
1968
Total Assets
balance_sheet
Value:
$6.55M
Peer Avg: $29.86M
#1968 of 2596
Bottom 24.2% in <100M tier
1949
Return on Assets (ROA)
profitability
Value:
0.23%
Peer Avg: 0.68%
#1949 of 2596
Bottom 25.0% in <100M tier