State overview · Q4 2025

Vermont Credit Unions

All 14 federally-insured credit unions in Vermont, ranked by financial health, from NCUA 5300 Call Reports.

14
Credit unions
453K
Members
$7.2B
Combined assets
80/100
Avg health
14 CUs · avg health 80/100

Vermont has 14 federally insured credit unions averaging 80/100 health on NCUA 5300 Call Report aggregates. Combined assets $7.2B; 7 score Excellent (80+). State leader: Heritage Family at 97/100.

  • Mean delinquency rank #35 of 52 (lower DQ better)
  • Mean ROA rank #42 of 52
  • Data vintage 2026-09-06

Vermont vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

14 47th of 54 higher than 6 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Vermont's 14 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)7 CUsGood (60–79)6 CUsFair (40–59)1 CUsWeak (<40)0 CUs

Vermont Call Report component averages

Mean NCUA 5300 ratios across 14 federally insured credit unions in Vermont, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.40%
National rank #35 of 52 · lower DQ better
Mean ROA
0.46%
National rank #42 of 52
Mean loan-to-share
82.2%
Mean net worth 11.8% · well-capitalized (≥7%) 92.9%
Largest CU share of state assets
44.1%
Tilted book, largest charter holds 25–50% of combined Vermont CU assets · concentration rank #43 of 52 (lower share = more dispersed) · largest by assets on this board: EASTRISE

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Vermont is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Vermont vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Vermont highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Vermont vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SC - 14.68%, 1.029%TN - 15.99%, 1.081%TX - 15.62%, 1.279%UT - 16.09%, 0.974%WA - 12.92%, 0.882%WI - 13.48%, 1.468%VT - 11.83%, 1.399%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Vermont highlighted.

All Credit Unions in Vermont

Credit Union Health
Heritage Family Rutland 97
VERMONT So Burlington 97
802 Barre 95
Credit Union of Vermont Rutland 93
EASTRISE Williston 92
North Country BURLINGTON 92
Northern Lights Saint Johnsbury 85
Orlex Government Employees Newport 77
Members 1st Brattleboro 69
St. Patrick's Parish Fairfield 68
Green Mountain South Burlingto 66
Northeast Schools and Hospital Newport 66
ONE SPRINGFIELD 66
Central Vermont Medical Center,Inc. BARRE 54

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.

What This Data Says About Credit Unions in Vermont

Vermont is home to 14 federally-insured credit unions collectively serving 453K members with $7.2B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 80/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Heritage Family of Rutland currently leads the cohort with a health score of 97/100, while the full distribution spans 14 institutions ranked below.

The health distribution breaks into four bands: 7 credit unions score 80–100 (Excellent), 6 score 60–79 (Good), 1 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Vermont's 14 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Vermont: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($7.2B here).

Nebraska $6.9B Montana $8.1B South Dakota $6.0B North Dakota $5.9B

Frequently Asked Questions

How many credit unions are in Vermont?

There are 14 federally-insured credit unions in Vermont as of Q4 2025, with a combined 453K members and $7.2B in total assets. That places Vermont at #44 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Vermont ranks #37 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Vermont?

Based on NCUA Q4 2025 data, Heritage Family in Rutland ranks highest in Vermont with a health score of 97/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Vermont's data

  • Heritage Family in Rutland is the healthiest scored credit union in Vermont at 97/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Vermont's credit unions rank #35 of 52 nationally on delinquency rate (mid-pack) and #42 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
  • Vermont ranks #37 of 54 by average health score and #44 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.