State credit union · Newport, Vermont · NCUA charter #64782
Orlex Government Employees
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $6.7M
- Total assets
- 1,284
- Members
- 8.5%
- Net-worth ratio
Orlex Government Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64782, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Orlex Government Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth44
- Liquidity (loan-to-share)100
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.45% | 30% |
| Delinquency Rate | 0.39% | 25% |
| Return on Assets | -0.73% | 15% |
| Member Growth | -1.31% | 15% |
| Loan-to-Share Ratio | 86.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.7M | 1,284 |
| 2024Q4 | $7.0M | 1,301 |
| 2023Q4 | $7.4M | 1,327 |
Credit Union Details
- Charter Number
- 64782
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Vermont
- City
- Newport
- Data Quarter
- 2025Q4
What This Data Says About Orlex Government Employees
The five-factor composite scores Orlex Government Employees at 73/100 (Very Good), reflecting a net worth ratio of 8.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Newport, Vermont, reports 1,284 members, $6.7M in total assets, and $5.1M in outstanding loans as of Q4 2025 under charter #64782 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
0.39% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 86.04% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.73% on net income of $-48892 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 -1.31%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Vermont
Other federally-insured credit unions in Vermont, closest first by peer group and asset size.
- NORTHEAST SCHOOLS AND HOSPITALNewport, VT · $2M–$10M58Health
- CENTRAL VERMONT MEDICAL CENTER,INC.BARRE, VT · $10M–$50M54Health
- ST. PATRICK'S PARISHFairfield, VT · Under $2M54Health
- MEMBERS 1STBrattleboro, VT · $10M–$50M66Health
- NORTHERN LIGHTSSaint Johnsbury, VT · $10M–$50M85Health
Compare Orlex Government Employees vs NORTHEAST SCHOOLS AND HOSPITAL
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 Orlex Government Employees financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Orlex Government Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.45% net worth ratio and 0.39% delinquency rate are the key drivers.
How does Orlex Government Employees compare to other credit unions?
PlainCU's health composite puts Orlex Government Employees at 73/100, compared to a peer group average for $2M–$10M 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 Orlex Government Employees?
Membership eligibility for Orlex Government Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Orlex Government Employees directly for current membership requirements and application steps.
Is my money safe at Orlex Government Employees?
Federal credit unions like Orlex Government Employees 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. Orlex Government Employees's net worth ratio of 8.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Orlex Government Employees offer compared to banks?
Credit unions like Orlex Government Employees 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 Orlex Government Employees 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.