State credit union · Rutland, Vermont · NCUA charter #63896
Credit Union of Vermont
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $80.1M
- Total assets
- 3,431
- Members
- 13.8%
- Net-worth ratio
Credit Union of Vermont scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.1M; members 3,431; net-worth ratio 13.77%; health rank #609 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#609 of 4,374 health · 2025Q4Credit Union of Vermont · health 93/100 · $80.1M · 2025Q4
- NW 93/100
- DELQ 13.8%
- ROA 0.09%
- ASSETS 1.97%
- MEM $80.1M
- RANK 3,431
- PHOTO #609/4,374
- BOOK TIMBERLINE
- CHARTER 63896
Call Report peers
Credit Union of Vermont in the assets neighbourhood
Credit Union of Vermont's $80.1M assets sit next to TIMBERLINE ($80.1M) 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.
Credit Union of Vermont 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
93 Top 16% higher than 84% 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
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 vs $50M–$100M peers
- Largest favorable gap: Return on Assets at 1.97% vs peer 0.66% (+1.31 pp).
- Loan-to-Share Ratio trails the peer set - 61.77% here, 62.60% peer average (-0.83 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Credit Union of Vermont in Vermont
- Vermont health ordinal: #4 of 14.
- By total assets, Credit Union of Vermont is #8 of 14 in Vermont.
- Membership ranks #8 of 14 among Vermont CUs with a reported count (3,431 members).
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 Credit Union of Vermont
Credit Union of Vermont: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $79.3M (2024Q4) to $80.1M (2025Q4).
- Membership moved +0.5% from 3,415 to 3,431 over the same window.
- Net-worth ratio shifted +0.00 pp (13.77% → 13.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for Credit Union of Vermont
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.77% | +0.15 pp |
| Delinquency Rate | 0.09% | -0.87 pp |
| Return on Assets | 1.97% | +1.31 pp |
| Member Growth | 0.47% | - |
| Loan-to-Share Ratio | 61.77% | -0.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Credit Union of Vermont
| 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
Nearby Credit Unions in Vermont
Other federally-insured credit unions in Vermont, closest first by peer group and asset size.
Other-state peers near Credit Union of Vermont
Two NCUA Call Report peer sets for Credit Union of Vermont, both outside Vermont so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($80.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Credit Union of Vermont ranks #609 of 4,374 nationally on financial health and #4 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Lights is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Lights
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #609 of 4,374; by total assets it ranks #2,015 of 4,374 nationally (same basis as /rankings/largest); and #8 of 14 within Vermont. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.77% 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 13.77% 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.
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.