State credit union · BARRE, Vermont · NCUA charter #65090
Central Vermont Medical Center,inc.
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $12.5M
- Total assets
- 1,507
- Members
- 24.0%
- Net-worth ratio
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.
Central Vermont Medical Center,inc. - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth89
- Liquidity (loan-to-share)69
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
23.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.96% | 30% |
| Delinquency Rate | 4.04% | 25% |
| Return on Assets | -0.80% | 15% |
| Member Growth | 3.65% | 15% |
| Loan-to-Share Ratio | 48.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Central Vermont Medical Center,inc.
The five-factor composite scores Central Vermont Medical Center,inc. at 54/100 (Fair), reflecting a net worth ratio of 23.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in BARRE, Vermont, reports 1,507 members, $12.5M in total assets, and $4.5M in outstanding loans as of Q4 2025 under charter #65090 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
4.04% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 48.89% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.80% on net income of $-100163 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 3.65%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Vermont
Other federally-insured credit unions in Vermont, closest first by peer group and asset size.
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 Central Vermont Medical Center,inc. financially healthy?
A 23.96% 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. 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 23.96% 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.
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.