Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Excellent asset quality (7.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), consumer loans (22%), other (42%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
265 South Main Street
Barre, VT 05641
Barre, VT 05641
Phone Number
(800) 728-5871
NCUA Charter Number
Website
Largest Competitors
Williston, VT
South Burlington, VT
South Burlington, VT
Rutland, VT
Springfield, VT