State credit union · Barre, Vermont · NCUA charter #62983
802
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $491.7M
- Total assets
- 45,490
- Members
- 8.1%
- Net-worth ratio
802 - Share Insurance Coverage
Charter #62983's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
802 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)85
- Asset quality (delinquency)79
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.15% | 30% |
| Delinquency Rate | 1.05% | 25% |
| Return on Assets | 1.60% | 15% |
| Member Growth | 22.41% | 15% |
| Loan-to-Share Ratio | 87.98% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $491.7M | 45,490 |
| 2024Q4 | $416.4M | 37,162 |
| 2023Q4 | $391.5M | 36,848 |
Credit Union Details
- Charter Number
- 62983
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Vermont
- City
- Barre
- Data Quarter
- 2025Q4
What This Data Says About 802
802 is a state credit union headquartered in Barre, Vermont, serving 45,490 members with $491.7M in total assets and $376.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 8.15% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62983 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.05% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 87.98% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.60% on net income of $7.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 22.41%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Vermont
A look at other Vermont credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is 802 financially healthy?
802 has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.15% and delinquency rate of 1.05%.
How does 802 compare to other credit unions?
Five weighted metrics from NCUA filings produce 802's 90/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 802?
Membership eligibility for 802 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 802 directly for current membership requirements and application steps.
Is my money safe at 802?
Federal credit unions like 802 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 802's net worth ratio of 8.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 802 offer compared to banks?
Credit unions like 802 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 802 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.