Vermont

So Burlington, VT · 1 · Charter #24405 · www.vermontfederal.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
$1.0B
2th percentile
Members
58,974
9th percentile
Total loans
$861.8M
14th percentile
Total shares
$900.2M
6th percentile

Profitability

Return on assets
1.00%
50th percentile
Net interest margin
3.31%
57th percentile
Efficiency ratio
56.80%
28th percentile
Non-interest income ratio
20.11%
62th percentile

Capital & Risk

Net worth ratio
10.44%
43th percentile
Delinquency rate
0.45%
77th percentile
Net charge-off rate
0.22%
84th percentile
Loan-to-share
95.73%
70th percentile

Growth

Member growth YoY
4.39%
70th percentile
Asset growth YoY
3.54%
29th percentile
Loan growth YoY
7.19%
63th percentile
Share growth YoY
5.38%
49th percentile

Operations

Members / branch
7,372
47th percentile
Assets / member
$17,473
45th percentile
Field of membership penetration
9.45%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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