BlastPoint's Credit Union Scorecard
CENTRAL VERMONT MEDICAL CENTER,INC.
Charter #65090 · VT
CENTRAL VERMONT MEDICAL CENTER,INC. has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 20.9% YoY
- + Member Growth Rate: Top 2.2% in tier
- + Members Per Employee (MPE): Top 8.3% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Efficiency ratio 8.14% above tier (higher cost structure)
- - Delinquency rate 2.98% above tier average
- - AMR Growth Rate: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
- - Loan Growth Rate: Bottom 8.4% in tier
- - Net Charge-Off Rate: Bottom 9.7% in tier
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 +1.9% year over year ($9.3M in shares and deposits).
- Membership: 1,756 members, +20.9% vs a year ago.
- Delinquency rate 4.52%.
- Return on assets 0.45%.
- Efficiency ratio 96.90% vs a 88.77% peer average.
- Loan-to-share ratio 42.30% 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 |
1,756
+20.9% YoY+1.4% QoQ
|
-829 |
2,585
-1.7% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$12.7M
+1.3% YoY+0.3% QoQ
|
$-17.6M |
$30.3M
+1.5% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$3.9M
-18.1% YoY-3.2% QoQ
|
$-11.5M |
$15.5M
-1.7% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$9.3M
+1.9% YoY+0.9% QoQ
|
$-16.5M |
$25.8M
+1.1% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.4%
-45.6% YoY-349.0% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.8%
-20.3% YoY-2.3% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
96.9%
+23.2% YoY+1.7% QoQ
|
+8.1% |
88.8%
-6.9% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
4.5%
+11.9% YoY-7.0% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.5% in tier |
| Loan To Share |
42.3%
-19.6% YoY-4.1% QoQ
|
-16.6% |
58.9%
-3.1% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$7,535
-21.4% YoY-1.7% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
22.0%
+38.1% YoY+5.5% QoQ
|
-2.6% | 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)