Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 24.6 and a net worth ratio of 24.7. A current level of 5.9 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Consumer loans (36%), other (64%)
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
130 Fisher Road
Berlin, VT 05602
Berlin, VT 05602
Phone Number
(802) 371-4211
NCUA Charter Number
Website
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