State credit union · Rutland, Vermont · NCUA charter #63896
Credit Union of Vermont
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $80.1M
- Total assets
- 3,431
- Members
- 11.9%
- Net-worth ratio
Credit Union of Vermont - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63896: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Credit Union of Vermont - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)88
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.90%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.90% | 30% |
| Delinquency Rate | 0.09% | 25% |
| Return on Assets | 1.97% | 15% |
| Member Growth | 0.47% | 15% |
| Loan-to-Share Ratio | 61.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $80.1M | 3,431 |
| 2024Q4 | $79.3M | 3,415 |
| 2023Q4 | $74.7M | 3,373 |
Credit Union Details
- Charter Number
- 63896
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Vermont
- City
- Rutland
- Data Quarter
- 2025Q4
What This Data Says About Credit Union of Vermont
Credit Union of Vermont is a state credit union headquartered in Rutland, Vermont, serving 3,431 members with $80.1M in total assets and $42.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 93/100 (Excellent), anchored by a net worth ratio of 11.90% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #63896 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.09% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 61.77% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.97% on net income of $1.6M 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 0.47%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Credit Union of Vermont financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Credit Union of Vermont carries a financial health score of 93/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.90% net worth ratio and a 0.09% delinquency rate.
How does Credit Union of Vermont compare to other credit unions?
Credit Union of Vermont scores 93/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Credit Union of Vermont?
Membership eligibility for Credit Union of Vermont depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of Vermont directly for current membership requirements and application steps.
Is my money safe at Credit Union of Vermont?
Federal credit unions like Credit Union of Vermont 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. Credit Union of Vermont's net worth ratio of 11.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Vermont offer compared to banks?
Credit unions like Credit Union of Vermont 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 Credit Union of Vermont 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.