Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 19.9 percent and a “hot money” ratio of 14.0 percent. A current level of 23.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (55%), consumer loans (12%), other (33%)
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
25 Winooski Falls Way
Winooski, VT 05404
Winooski, VT 05404
Phone Number
(802) 654-4540
NCUA Charter Number
Website
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