State credit union · SPRINGFIELD, Vermont · NCUA charter #63923
ONE
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $261.1M
- Total assets
- 18,443
- Members
- 7.8%
- Net-worth ratio
ONE scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $261.1M; members 18,443; net-worth ratio 7.77%; health rank #3,843 of 4,374; healthier than 12th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,843 of 4,374 health · 2025Q4ONE · health 66/100 · $261.1M · 2025Q4
Call Report peers
ONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ONE sits in 65-69 with 275 others.
66 12th percentile higher than 12% 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
Peer-gap read for ONE
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +7.79 pp (79.99% vs 72.20%).
- Net Worth Ratio trails the peer set - 7.77% here, 12.11% peer average (-4.34 pp).
Vermont standing for ONE
- Health composite ranks #13 of 14 among scored Vermont credit unions.
- Vermont assets place: #6 of 14.
- Member book place in Vermont: #6 of 14.
- One place up in Vermont, Northeast Schools and Hospital (#12) ties at 66/100; one place down, Central Vermont Medical Center,Inc. (#14) scores 54/100, 12 points lower.
How ONE's 5300 filing moved
ONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $261.1M (2025Q4) to $263.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (7.78% → 7.77%).
At 7.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
ONE gives up 34 points in total. Return on Assets costs the most, 11.5 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 24.4 pts
- Delinquency Rate 18.6 pts
- Return on Assets 3.5 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 14.8 pts
ONE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.77% | -4.34 pp |
| Delinquency Rate | 1.18% | +0.29 pp |
| Return on Assets | -0.11% | -0.74 pp |
| Member Growth | -2.37% | - |
| Loan-to-Share Ratio | 79.99% | +7.79 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ONE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $263.2M | - |
| 2025Q4 | $261.1M | 18,443 |
| 2024Q4 | $259.2M | 18,890 |
| 2023Q4 | $245.3M | 19,112 |
Credit Union Details
- Charter Number
- 63923
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Vermont
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, ONE runs 8 offices in 7 different cities across 2 states.
| Office | City |
|---|---|
| SPRINGFIELD OFFICE (Main Office) | SPRINGFIELD, VT |
| BARRE OFFICE | BARRE, VT |
| CHESTER OFFICE | CHESTER, VT |
| CLAREMONT OFFICE | CLAREMONT, NH |
| ESSEX OFFICE | Essex Junction, VT |
| NEWPORT OFFICE | Newport, NH |
| CLINTON STREET | SPRINGFIELD, VT |
| VERGENNES OFFICE | Vergennes, 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.
Cross-state Call Report peers for ONE
Similar total assets
Using this data
- ONE ranks #3,843 of 4,374 nationally on financial health and #13 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Green Mountain is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Green Mountain
Frequently Asked Questions
Is ONE financially healthy?
ONE has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,843 of 4,374 nationally on health and #13 of 14 in Vermont. Its net worth ratio is 7.77% and its delinquency rate 1.18%.
How does ONE compare to other credit unions?
ONE scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.99% vs 72.20%). Its widest shortfall is net worth ratio (7.77% vs 12.11%).
How can I join ONE?
Membership eligibility for ONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ONE directly for current membership requirements and application steps.
Is my money safe at ONE?
ONE 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. ONE's net worth ratio of 7.77% 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.