BlastPoint's Credit Union Scorecard
CENTRAL VERMONT MEDICAL CENTER,INC.
Charter #65090 · VT
CENTRAL VERMONT MEDICAL CENTER,INC. has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 8.4% in tier
- + Member Growth Rate: Top 8.5% in tier
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.49% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,507
+3.6% YoY-6.0% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$12.5M
+8.6% YoY-0.4% QoQ
|
$-17.6M |
$30.1M
+2.1% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$4.5M
-11.9% YoY-4.3% QoQ
|
$-11.3M |
$15.8M
-1.3% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$9.1M
+10.8% YoY-0.7% QoQ
|
$-16.6M |
$25.7M
+1.4% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.7%
-184.7% YoY-16.8% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
4.6%
-22.6% YoY-0.7% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
78.7%
-21.9% YoY+2.6% QoQ
|
-3.8% |
82.6%
-2.3% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
4.0%
+10.4% YoY-35.5% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
Top 8.5% in tier |
| Loan To Share |
48.9%
-20.5% YoY-3.6% QoQ
|
-11.7% |
60.6%
-3.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$8,994
-1.4% YoY+4.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
19.9%
+66.5% YoY+8.0% QoQ
|
-4.6% | 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)