# VERMONT
So Burlington, VT · NCUA charter 24405 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vermont-24405

Who the members are: federal charter, community charter, organized 1953. 62,966 members of 623,989 potential (10.1% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.13B |
| Members | 62,966 (10.1% YoY) |
| Full-time staff | 181 |
| Net worth | $120.6M |
| Net worth ratio | 10.7% (p50 of band) |
| ROA (annualized) | 0.87% (p63 of band) |
| Total delinquency | 0.49% (p36 of band) |
| Net charge-offs (annualized) | 0.22% (p17 of band) |
| Loans / shares | 90% (p61 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 0.23% |
| Net interest margin | 3.46% (p60 of band) |
| Operating expense / assets | 3.92% (p84 of band) |
| Vehicles % of loans | 16% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 59% (p27 of band) |
| Vehicle delinquency | 1.10% (p83 of band) |
| Vehicle NCO | 0.83% (p41 of band) |
| Repossessed % of vehicle book | 0.00% (p24 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 104% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 25% |
| Average share balance | $7,091 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.2M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $25,465 |
| Loans granted, annualized | $232.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $14.2M outstanding purchased (11.7% of net worth), $2.7M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 13.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | thin capital |
| 2018-03 | 1 | thin capital |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 0 |  | thin capital, net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | thin capital |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | thin capital, net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | thin capital |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | loans>95% of shares |  |
| 2026-03 | 0 |  | loans>95% of shares |

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

- 2026-08-27 [Vermont Federal CU supports innovative affordable homeownership and conservation project - Vermont Business Magazine](https://news.google.com/rss/articles/CBMirwFBVV95cUxON1hyRzBFWTNHMHQwanlUTngzdUJzLUZRa0lMUEFiVlFUSmE4bE9mRFJZNVBTWGlDQ1lpRUh3aGRJbHU0WENNaERTWmtENzdwZldoOHd2OXlsUE1ONVhTWDVtMlp0dzVKYXNZdnc4YnAzNldWMktyM3lPR1BsMnl5YUxvOXUwZDR1TXpEYVF2cTR2Q2M4bEEyTTBwUy1JeGIwZ1Z2QTJ5dm9QUzM1ZVBF?oc=5) · Vermont Business Magazine
- 2026-09-01 [More than $18K stolen from Vermont ATM, police search for suspect - wcax.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5qZHgta1h2Wnc0QXRzT3poM3pPWXFsUHFoRVMtaTNSVWh6LVhUcXRjNlBfa1FEY2p3NFhXaUJKZ0FadGZSWHMzZl9zdTk3TXBiM0FacnJ5aHdjeXZzT3d3MkZqeF9xbDhwekJMb3hfWXlFakHSAYcBQVVfeXFMTW5ZQWdDNWI3SnRmXzNTSTlUY09tZlNDOWtxSFpWbXlQR0VFOURkTnFZZ25PWjIzMFpzMXF3c2xnT3NaMDllVUktOS1qM3Fyb3JVUWJzd24wUmJGV3E2X0dtN3dCSDhXR3FhTWxCbXpPZXg0SjRGdm45dkJDUkJMUjlERmh6Y01Z?oc=5) · wcax.com
- 2026-06-10 [Best Certificates of Deposit (CD) in Vermont for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBDWENUZE1nNWlhelNfZUNaUi1nYmV6OEZMTDFGMzR2czFJaWpjUTFQekRGMHN6Sk1jaUJWZWd4MzU1VVVhTVNxTXN0cXJiYUFOYlVQOFl4VWs1UERoeFRn?oc=5) · MoneyRates
- 2026-02-16 [Vermont home financing program launched to align with Islamic faith - Burlington Free Press](https://news.google.com/rss/articles/CBMiigJBVV95cUxNS0h2SURtRTFtSExEajdDUG12YXVmVXZKcWFjdWJhSVBWekZDTmVnR1p3VzlmQkZZYWNHWVZJZkRTNmpELUhFUXFkTTJxbm9qYl8ybVNGUjBaYU81R1Q5OGp4NmprY2gxaG4xeUZCZ0wxbzkwenhUNFNlTlpCY1RUY3pHUzdHbnRzd1FuV2hnRXFGWXNIMVUxODB5aUZCSmtTRWUyczBZd1EtcjZ3VG9mMUNROTFwRDFXV3hLSTQtWEd2NUdiU05QaWFoU3cwMF90d29vLWFscXZrV21LemtyQUsxOVlYd2hZaDJMSGh6S0RWaVI2d3BWdDlFV1lEb1FMWEZtdWJDS3h3dw?oc=5) · Burlington Free Press
- 2026-06-26 [Vermont man tried to use axe to break into ATM in Middlebury, police say - WPTZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTlJEOFhQOWNRMnYtbk9VV3pDMmhUT2NSTkVjX3JDanlDYU1FZ2Y1cl9yZ3RzNFRTNFVDSzI4S2R4bHhCbHdKQ285REJZZ0JvT1dCOHNrM0dvWnhNOFlIelpkdEJoTDhqal9hNDMxbk5KRVF1VzhnOUJJTWk4ZFV6Yw?oc=5) · WPTZ
- 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
- 2022-11-09 [By a narrow margin, Vermont State Employees Credit Union members approve a merger - VTDigger](https://news.google.com/rss/articles/CBMiswFBVV95cUxOdjVNVVYzVnhOSWwyQkxmbEx4NnVJejRvQlVhYW5PU0N3emZFOTJCNERkaU9qU1doRGNPWk11S1JYeUNNSmFZN2JZT1NZaVFvWF9tR1lEYUJ1Z1dlcTJKMmRTTEt2YnN3MVNsM0tqZXlBUFBNeF9KUHh3SGNCX05SODY5UDZPVmRuWkZBdm1JdEhpLTVkMm9aMTBNOEFMYS0xT25TMzNVVEI4SjRuYnRaR3lXZw?oc=5) · VTDigger
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24405 (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/21.json (key "24405", 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=24405
- 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