BlastPoint's Credit Union Scorecard
ORLEX GOVERNMENT EMPLOYEES
Charter #64782 · VT
ORLEX GOVERNMENT EMPLOYEES has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.92% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Efficiency ratio 25.49% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,281
-1.0% YoY-0.2% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$7.0M
+5.9% YoY+4.4% QoQ
|
$-23.2M |
$30.2M
+1.3% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$5.2M
-7.1% YoY+1.6% QoQ
|
$-10.1M |
$15.3M
-2.0% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$6.3M
+6.8% YoY+5.4% QoQ
|
$-19.5M |
$25.8M
+0.7% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
-0.7%
+130.8% YoY-321.7% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.2% in tier |
| NIM |
4.9%
-13.8% YoY-13.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
116.1%
+9.7% YoY+16.9% QoQ
|
+25.5% |
90.6%
+6.5% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.7%
-71.9% YoY+89.8% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
83.0%
-13.0% YoY-3.6% QoQ
|
+24.4% |
58.5%
-3.0% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$8,939
+1.0% YoY+3.9% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
32.1%
+1.4% YoY-2.2% QoQ
|
+7.8% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 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)