BlastPoint's Credit Union Scorecard
CENTRAL VERMONT MEDICAL CENTER,INC.
Charter #65090 · VT
CENTRAL VERMONT MEDICAL CENTER,INC. has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 19.1% YoY
- + Member Growth Rate: Top 1.6% in tier
- + Members Per Employee (MPE): Top 8.7% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 4.61% above tier (higher cost structure)
- - Delinquency rate 3.36% above tier average
- - AMR Growth Rate: Bottom 2.1% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,732
+19.1% YoY+14.9% QoQ
|
-944 |
2,676
+1.6% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$12.6M
+3.3% YoY+0.8% QoQ
|
$-17.6M |
$30.2M
+1.3% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$4.1M
-14.4% YoY-8.7% QoQ
|
$-11.2M |
$15.3M
-2.0% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$9.2M
+3.7% YoY+1.2% QoQ
|
$-16.6M |
$25.8M
+0.7% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
-0.2%
-132.3% YoY-124.7% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.9%
-22.5% YoY-16.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
95.2%
+15.1% YoY+21.0% QoQ
|
+4.6% |
90.6%
+6.5% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
4.9%
+116.2% YoY+20.4% QoQ
|
+3.4 |
1.5%
+3.8% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.3% in tier |
| Loan To Share |
44.1%
-17.5% YoY-9.8% QoQ
|
-14.4% |
58.5%
-3.0% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$7,667
-18.2% YoY-14.8% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
20.8%
+40.7% YoY+4.9% QoQ
|
-3.4% | 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)