State credit union · Barre, Vermont · NCUA charter #62983
802
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $491.7M
- Total assets
- 45,490
- Members
- 12.4%
- Net-worth ratio
802 scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $491.7M; members 45,490; net-worth ratio 12.45%; health rank #380 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#380 of 4,374 health · 2025Q4802 · health 95/100 · $491.7M · 2025Q4
Call Report peers
802 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
802 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 802 sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
802: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.78 pp (87.98% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +0.15 pp (1.05% vs 0.89%).
Where 802 sits in Vermont
- Vermont health ordinal: #3 of 14.
- By total assets, 802 is #5 of 14 in Vermont.
- Vermont membership ordinal: #5 of 14.
- One place up in Vermont, VERMONT (#2) scores 97/100, 2 points higher; one place down, Credit Union of Vermont (#4) scores 93/100, 2 points lower.
Quarter path for 802
802: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $491.7M (2025Q4) to $500.3M (2026Q1).
- Net-worth ratio shifted +0.09 pp (12.36% → 12.45%).
At 12.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
802 gives up 5 points in total. Delinquency Rate costs the most, 5.3 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
802 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.45% | +0.34 pp |
| Delinquency Rate | 1.05% | +0.15 pp |
| Return on Assets | 1.60% | +0.98 pp |
| Member Growth | 22.41% | - |
| Loan-to-Share Ratio | 87.98% | +15.78 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - 802
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $500.3M | - |
| 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
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for 802, spread across 12 cities.
| Office | City |
|---|---|
| Barre/Main Office (Main Office) | Barre, VT |
| Bellows Falls | Bellows Falls, VT |
| Bethel | Bethel, VT |
| Brattleboro | Brattleboro, VT |
| Putney | Putney, VT |
| Randolph | Randolph, VT |
| Rochester | Rochester, VT |
| South Burlington | South Burlington, VT |
| Springfield | Springfield, VT |
| Townshend | Townshend, VT |
| White River Jct | White River Junction, VT |
| Windsor Office | Windsor, VT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
802 nationwide neighbourhoods
Using this data
- 802 ranks #380 of 4,374 nationally on financial health and #3 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ONE
Frequently Asked Questions
Is 802 financially healthy?
On its 2025Q4 NCUA 5300 filing, 802 scores 95/100 (Excellent), with a 12.45% net worth ratio and 1.05% of loans delinquent. It ranks #380 of 4,374 nationally on health and #3 of 14 in Vermont.
How does 802 compare to other credit unions?
802 scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.98% vs 72.20%). Its widest shortfall is delinquency rate (1.05% vs 0.89%).
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?
802 is a state-chartered credit union; its shares are federally 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 12.45% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.