Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 26.2 and a net worth ratio of 26.3. A current level of 8.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 97.7 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (35%), other (65%)
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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