State credit union · BARRE, Vermont · NCUA charter #65090
Central Vermont Medical Center,Inc.
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $12.5M
- Total assets
- 1,507
- Members
- 26.2%
- Net-worth ratio
Central Vermont Medical Center,Inc. scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.5M; members 1,507; net-worth ratio 26.18%; health rank #4,196 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,196 of 4,374 health · 2025Q4Central Vermont Medical Cen… · health 54/100 · $12.5M · 2025Q4
- ROA 54/100
- ASSETS 26.2%
- MEM 4.04%
- RANK -0.80%
- PHOTO $12.5M
- BOOK 1,507
- CHARTER #4,196/4,374
- NCUSIF Penntech Employees
- CAMELS 65090
Call Report peers
Central Vermont Medical Center,Inc. in the assets neighbourhood
Central Vermont Medical Center,Inc.'s $12.5M assets sit next to Penntech Employees ($12.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Vermont Medical Center,Inc. vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
54 4th percentile higher than 4% 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
Central Vermont Medical Center,Inc. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65090. See our deposit-insurance coverage note.
Peer-gap read for Central Vermont Medical Center,Inc.
- Largest favorable gap: Net Worth Ratio at 26.18% vs peer 14.86% (+11.32 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.91 pp (48.89% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Central Vermont Medical Center,Inc. in Vermont
- Health composite ranks #14 of 14 among scored Vermont credit unions.
- Assets rank #11 of 14 inside Vermont ($12.5M reported).
- Vermont membership ordinal: #11 of 14.
In-state ordinals use the live credit_unions table for VT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Central Vermont Medical Center,Inc.
Central Vermont Medical Center,Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $12.5M (2025Q4) to $12.6M (2026Q1).
- Net-worth ratio shifted -0.25 pp (26.43% → 26.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
26.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.18% | +11.32 pp |
| Delinquency Rate | 4.04% | +2.90 pp |
| Return on Assets | -0.80% | -1.51 pp |
| Member Growth | 3.65% | - |
| Loan-to-Share Ratio | 48.89% | -10.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Central Vermont Medical Center,Inc.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.6M | - |
| 2025Q4 | $12.5M | 1,507 |
| 2024Q4 | $11.5M | 1,454 |
| 2023Q4 | $12.9M | 1,738 |
Credit Union Details
- Charter Number
- 65090
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Vermont
- City
- BARRE
- Data Quarter
- 2025Q4
Branch Location
Central Vermont Medical Center,Inc. operates a single office in Berlin, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Central Vermont Medical Center Inc., Credit Union (Main Office) | Berlin, VT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Vermont
Other federally-insured credit unions in Vermont, closest first by peer group and asset size.
Other-state peers near Central Vermont Medical Center,Inc.
Cross-state asset and health neighbours for Central Vermont Medical Center,Inc. - kept outside Vermont; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
Using this data
- Central Vermont Medical Center,Inc. ranks #4,196 of 4,374 nationally on financial health and #14 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members 1st
- Rates and health both vary by institution, not just by state -- see how Vermont credit unions compare overall before assuming this one is typical. Vermont state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Central Vermont Medical Center,Inc. financially healthy?
A 26.18% net worth ratio and a 4.04% delinquency rate feed into Central Vermont Medical Center,Inc.'s financial health score of 54/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,196 of 4,374; by total assets it ranks #3,431 of 4,374 nationally (same basis as /rankings/largest); and #11 of 14 within Vermont. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Central Vermont Medical Center,Inc. compare to other credit unions?
PlainCU's health composite puts Central Vermont Medical Center,Inc. at 54/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Central Vermont Medical Center,Inc.?
Membership eligibility for Central Vermont Medical Center,Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Vermont Medical Center,Inc. directly for current membership requirements and application steps.
Is my money safe at Central Vermont Medical Center,Inc.?
Federal credit unions like Central Vermont Medical Center,Inc. 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. Central Vermont Medical Center,Inc.'s net worth ratio of 26.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Vermont Medical Center,Inc. offer compared to banks?
Credit unions like Central Vermont Medical Center,Inc. 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 Central Vermont Medical Center,Inc. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.