North Country

BURLINGTON, VT · 1 · Charter #24312 · www.northcountry.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
6th percentile
Members
77,854
26th percentile
Total loans
$890.5M
17th percentile
Total shares
$954.9M
11th percentile

Profitability

Return on assets
1.11%
58th percentile
Net interest margin
3.73%
83th percentile
Efficiency ratio
57.59%
25th percentile
Non-interest income ratio
18.88%
52th percentile

Capital & Risk

Net worth ratio
9.75%
26th percentile
Delinquency rate
1.05%
24th percentile
Net charge-off rate
0.41%
62th percentile
Loan-to-share
93.26%
60th percentile

Growth

Member growth YoY
5.08%
78th percentile
Asset growth YoY
8.96%
75th percentile
Loan growth YoY
10.17%
79th percentile
Share growth YoY
6.70%
63th percentile

Operations

Members / branch
5,989
30th percentile
Assets / member
$13,936
15th percentile
Field of membership penetration
19.46%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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