# EASTRISE
Williston, VT · NCUA charter 19263 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eastrise-19263

Who the members are: federal charter, multiple common bond, organized 1961. 176,876 members of 5,298,961 potential (3.3% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.17B |
| Members | 176,876 (3.4% YoY) |
| Full-time staff | 453 |
| Net worth | $383.4M |
| Net worth ratio | 12.1% (p72 of band) |
| ROA (annualized) | 0.45% (p26 of band) |
| Total delinquency | 0.49% (p36 of band) |
| Net charge-offs (annualized) | 0.10% (p6 of band) |
| Loans / shares | 99% (p88 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 4.36% |
| Net interest margin | 3.24% (p45 of band) |
| Operating expense / assets | 3.01% (p37 of band) |
| Vehicles % of loans | 10% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 46% (p24 of band) |
| Vehicle delinquency | 0.67% (p58 of band) |
| Vehicle NCO | 0.65% (p27 of band) |
| Repossessed % of vehicle book | 0.06% (p45 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 69% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 21% |
| Average share balance | $9,379 |
| Participations bought / yr | $0 |
| Participations sold / yr | $32.1M |
| Participations outstanding | $737,925 |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $38,173 |
| Loans granted, annualized | $836.6M |

## Participation posture (from the same filings)

Bought $0 and sold $32.1M in the latest annualized quarter; $737,925 outstanding purchased (0.2% of net worth), $26.5M sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | net worth falling, loans>95% of shares |  |
| 2020-03 | 4 | losing money, margin squeeze |  |
| 2020-06 | 2 |  | loans>95% of shares, losing money |
| 2020-09 | 0 |  | net worth falling, margin squeeze |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | leaning on borrowings |  |
| 2023-06 | 2 | delinquency rising, loans>95% of shares | leaning on borrowings |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | leaning on borrowings |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | leaning on borrowings |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-06 [EastRise Credit Union CEO John Dwyer announces retirement - Vermont Business Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxQd3NZUjdtTDcxYXI5Q0lVNEJZMnBoN1pwWDUwYmpGZlR1VVVpUEtrUHFsQ2lYcDI4cnRHT1AzR0VMTDFSdjhRRHBPeWRFVEJ0STBDcjBzWlM4dVZOVXpsNHFMWFBfeGRpeVMxc1VReHRRQmlobWtMdjMtcWg0cjcxYUtMSldiOC1leUxrNlp6c0NuRUtEUUhhUUxKV2pHNnpuaVU0?oc=5) · Vermont Business Magazine
- 2026-01-08 [EastRise Credit Union CEO Announces Retirement - CUTimes](https://news.google.com/rss/articles/CBMiigFBVV95cUxOQUVYS0FNbEtmUmx4VVR0dC0zY01IVG1zUC1nYS1tYUhPd2stc211bzBXbWJnV29fbkNmSjBlQzhZRGpmcnFvN1R6dDAyV2YxWkluOXdfbGl2OEVGdlZPZ2NsM2xuVVBBRUNoQVpwdEtEVjE2dHBJWDZ3RGpwa0o0Ym81MmRfQUItS0E?oc=5) · CUTimes
- 2026-05-11 [Robert Miller named EastRise President and CEO - Vermont Business Magazine](https://news.google.com/rss/articles/CBMihwFBVV95cUxOblBHdmRXczZ1VFBGQXVtb0FtMWNaWG5DNVF0eUdCcThiekR2R3RLYzRoRW5JMlA3NnBfSHhyTjlGQ0FSeENkN1hMMk1LUXlmeVNNNC1iNzc4czVLQWlDcUFVRjl5NC1qejV0d0JETGdMRTIydEhTWVpjSEV3VDhyeXpVWk9VeTA?oc=5) · Vermont Business Magazine
- 2025-08-18 [EastRise Credit Union to Feature First-Ever On-Field Logo in Expanded Vermont Athletics Partnership - University of Vermont Athletics](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPWHktWmdvbTdESFpqTk1MSkxzZzZ4d2Y5b3pNQk1DeURtbTNvT1UwTkFLTFRzczlTaldhcUxxa2ZHTl9DRHB2N2hVUExWT0tEN3A5UEY1THRCSXl6NmlPYURwTko3S2M2SEJPaW84VDJFYUxaR3hKTGZLa0NwNFpTRDhSVGJ4RXdfQmhkLXdJdGp2X2t2N0paRXA3QmVVMTlyc0NiSzExdm5TalU3Y2RNODRIR296WWFFblFWSWNVaTVuNmJGTjhPckJkRFpOTDFyYVQ1d2NGSExuUWJ0QkJiQ3dmOWIwc2RIM3pRcw?oc=5) · University of Vermont Athletics
- 2024-06-27 [Merged credit unions NEFCU and VSECU settle on new name: EastRise - VTDigger](https://news.google.com/rss/articles/CBMingFBVV95cUxNTUt4UFFWb241NldXM0h0NUQtMXloT2FfVS0wdnBzcGJDaUJUSFRHRG9ET3JJdjB0TW5GRjcweXVWX0t6UFZLT3BTenByX1I4MWF6YUdVQmRQOUdZWWZobllIZkdiSXNOdHgwVHpJUndvODRMVzNGWXhGMUdjdUU3Q0tHeEd5R0FvOUxVeHNnU18tNjJlV3JLQnZJaGJNdw?oc=5) · VTDigger
- 2026-03-16 [Vermont Banking: A sector under pressure, a sector in motion - Vermont Business Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxNa0xyYXBsaTAyaF9vYjBEVTF4cmVONUNXTHVSa1VZZXdDRGZLUnl4czRHMW9qQUg5Nm1PRFJYQV91SFEyejBLeUNSeGNwUVB6bU5seXlQOW1GTXpyNjZTS29QOXZRX1VNOU4tcC1hOFZLU1UwMW1RVkE5MXNCTUp1UlFGU1JOQkw4cWZjRTM3dDZtaVBPd3NZdg?oc=5) · Vermont Business Magazine
- 2024-07-14 [2 merged New England credit unions announce new name - WCAX](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSDZPbUV1aEN4ZXBzcnkzdHFtM0RmSFBvZjlzMU9qcHRwd011TEZHWktMRG5tQV9NRTdna0hWbVJRd0FDUmNrWlVUR3V1MVlyTkNhZDNwcjdfRkJkc3hta21FQVZVb05DRnUxZzlvRncyd1hUZE95RW43Yk14V3cwLUZoR3dYbU5aZmh6ZDJoT3HSAaQBQVVfeXFMT2VNRURYcnNPbEQ2VXBDM0RJUExMeFp2QXViNmxJV21JRnhPYXlxQ3g1dGJLQXhOTi1aT2RuaEdUZ0lER2tEdDE4VUFHTVRIT1EwaHhrWF9iaFBqdnRvd0RBTldWMXlVcV9hSXVBQ3B6akVHNlRPbVUzalduZjQwT0F0MmFaeGpVaWp0R2R4SVdaaldMaW9NYkRJUXNwM3NUVUs0REg?oc=5) · WCAX
- 2026-09-07 [Jason Corliss Tops Milton CAT American-Canadian Tour EastRise Labor Day Classic 200 At Thunder Road - RaceDayCT.com -](https://news.google.com/rss/articles/CBMiygFBVV95cUxQTE02aWpVSWd3N291QUxFbkxEUTVlXzlSeFo3VENkZUVhbmNaNWdGSkkzNlpYNk5aUTBfWVg0WlNsZTg1TURXRU5uXzQtU3FBamVOWUdDMHduYURFRENoajVsNVJhaXdob1ExOTFZb3pfLXNjdHZtYl96MG9IMG5Bb1FCN0VoQUFSYlZUaVA3OEtBalIyTWhHUHFfYWQwRk9kODJpZXVrNmNRZmhEVkw4RC1fWjB3UmdjamVOck5TUFVHM01XaWczNjh3?oc=5) · RaceDayCT.com -

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19263 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "19263", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=19263
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide