# GREEN MOUNTAIN
South Burlingto, VT · NCUA charter 63859 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/green-mountain-63859

Who the members are: state charter, organized 1959. 10,123 members of 125,000 potential (8.1% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $151.5M |
| Members | 10,123 (116.3% YoY) |
| Full-time staff | 39 |
| Net worth | $20.0M |
| Net worth ratio | 13.2% (p68 of band) |
| ROA (annualized) | 0.35% (p28 of band) |
| Total delinquency | 3.46% (p99 of band) |
| Net charge-offs (annualized) | 0.93% (p88 of band) |
| Loans / shares | 116% (p100 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 7.14% |
| Net interest margin | 4.83% (p94 of band) |
| Operating expense / assets | 3.67% (p50 of band) |
| Vehicles % of loans | 7% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 2.38% (p94 of band) |
| Vehicle NCO | 3.36% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 74% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 38% |
| Average share balance | $7,269 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $39,258 |
| Loans granted, annualized | $20.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $328,998 sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 34.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 4 | loans>95% of shares |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 2 |  | capital below 7% |
| 2017-03 | 1 |  | loans>95% of shares |
| 2017-06 | 2 | loans>95% of shares |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | margin squeeze, delinquency rising |  |
| 2020-06 | 2 |  | loans>95% of shares |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | delinquency 2x band | margin squeeze, net worth falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | loans>95% of shares | delinquency rising |
| 2022-03 | 2 | delinquency rising | loans>95% of shares |
| 2022-06 | 2 | loans>95% of shares | delinquency rising |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 5 | margin squeeze, members leaving |  |
| 2024-09 | 3 |  | delinquency rising, margin squeeze |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | members leaving |
| 2025-09 | 3 | margin squeeze |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | leaning on borrowings | margin squeeze |

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

- 2026-05-18 [2026 Best of Business in Vermont recipients announced - Vermont Business Magazine](https://news.google.com/rss/articles/CBMikAFBVV95cUxQMld1MGFQeGF5dlpET0I1WEhxa3QybVZiZXJjOHZiTGM5eDFWaVBfSVZHRXA5Y3BoRXpSMlhSazZadXo0eXFPQ25zdU9yQjBlSjNlUDZiLVQtS2FLNkRmZUU1NXZNbzFrcnNBejdyY1VPbGpvMFpPSUpfZWd6Q01NNlZXMzdoVTViMXBzOFMzWm8?oc=5) · Vermont Business Magazine
- 2024-11-23 [Green Mountain Credit Union and Opportunities Credit Union hope to become one - wcax.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWnNWME00b3UtU29JYVNoVXRnUjlZTkJrTkxjWDZLNEl2YjU1eUVRT01OVVNZdmU2MnpaWGJ5eUJoRmdKN25tTkpfQzdNUUJTSTItLTV3V2ZxeXB0RXh5d2Nxb2lPdnNNdU5HZVQ0X3hKVGF1MGVTWjgtQ3dyVzFYRDA3X2FwU1lwVTNmUVFjWm9FSGQ2S044eGxuUW1SX296aG9ENTJn0gG6AUFVX3lxTFBVUXhyQU9DckxmQlk5cHQzSVgtVXJyR1NQU1lFcGwyMzkxYmRidTk2X2ZYOHRaYXdybVBoTUpSYjJ3WmZIak9xZmt6LTY1WmV3eFB0S2tNTi1kLVJZamIwc3d1RXpibHNmWDdNQlljWWY2TUZRZzNVbGlQTU5WWlVqbmlvekVrb2ZVM1NRM0YxVk9rMVVjR1RvTUdDM2xadG5aTUhoeks4c1ZmVU1mUEtFT2dyQndzZkwwdw?oc=5) · wcax.com
- 2024-11-25 [Opportunities Credit Union to Merge With Green Mountain - Seven Days Vermont](https://news.google.com/rss/articles/CBMinwFBVV95cUxPai1uU2hid0RPWVZZcG5TdWxzOGRNZ1BqRlFnRmlnbUotMEpvVUFfamFjaWI5V191Zkx1Q1V6VUo4NENNRHE2VEVPNUppUFR1RjI0NU5IQS1OR0l3NUJZbWpjdmlSY0VvWno3OTB1R2JqeEViNEdDWTZQREwwaXRNbG9sTk9fcDVjODVmWk9NQlZJTmxxTVpzeDQ4ckpaOWc?oc=5) · Seven Days Vermont
- 2023-08-22 [Credit union offers bank accounts for foster youth - VTDigger](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQclE2bTZiSU9fVnV1R0NCVmRVanlPS2RKSHAwaElIM2ZWbG9LMkxpRDlWRnp6V0JuYXdGSTVaanUxcHNkQVdQOF8teTYyellmOUNmM3lCeFktMWgtbktoUW9hQkJweUgwT1FSbEhmbVNQaTFNN18weXBsQzAwTE1HT1ZSbXJHSEJHT3Fj?oc=5) · VTDigger
- 2024-12-09 [GM Marching Band celebrates new banner, thanks to One Credit Union - The Chester Telegraph](https://news.google.com/rss/articles/CBMirwFBVV95cUxQRTNBSDEyUU95aXZNcHJ5am1LTTdJTHJTMl8xdVNqYVJGTnJHVS1PRnNkbmNKdUV5eG96RF9jWjZBUjVBYzVBOE1tUjdxWGdXUTZUNDgwM3N1Qk14bTNqTXV0eGprdnNGOElyRGtZN0ZJcjd3ZFVVNGktR0tTSDNyNktsNnh0cGRGMEptRlFqTXAxR2FIU2c0MVd0dkMwYUMxWkVOWTRGcHp4SXV2Q0ow?oc=5) · The Chester Telegraph
- 2023-03-28 [NorthCountry Federal Credit Union to open in Richford - St. Albans Messenger](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPTF9KbTlLcGV3TENKOXZyWDNkN0QxYTVuVDBkZGFpVm9uX185WFhNRTBCaENmY3RMalBiZkxfTXpadnRKRFZsVDlkWUkxcjJQSzFULVdDdjN6U21LbjN1dmpVT0dHUjlQQ3lyT0g1a1ZiVjRSYThOZDl5eEg3cUtYaFRhdUo5Q0NzU2RaVlNBTkdwLURnTGhwcE5XSEV2dXdvelBUNFdsQ0VGcnpOdjhSUEhHeEVVMEc1UDRjbFpVOGxDa2JENkZRQ3h6YTdqdjhiR1BUdkRFNEY3Yk9Tb3c?oc=5) · St. Albans Messenger
- 2025-08-14 [Vermont Federal Credit Union wins three CUNA Diamond Awards - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOUHdsUEh0eVdETkYwWm5IZVY4YUFlX1RVeTR5Z2hXRVM1WjNZb2ZQVjF6OXdVaTdiTjkxb1hjbEdxV3FaMkZhcVVqX0ptOXZzeGMzVlBkLXhqY2ZLell6VkJsREpkbGpfUmtVWjM1dC1zZGNnX1NzaHJESHd1Y3VJUi04aXhZNVNrcUJENHpHQjQ3eTFZbnY1QVFJOHRyRkh0Z3c?oc=5) · CUInsight
- 2018-10-30 [Tractor theft and bank attack result in 18 month sentence - Rutland Herald](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPV1NNaDgyRk5CaVY1WGEyQ2RfcW5veG96Y2lSR0E5OUY5elZrcG45MFZua3ZUY2tWVWhoaThET2l2VDhRZE1PQkNlV2tzUkxjUlFMc2hnSVhXdE1RTGdnOVpLRE1DLVE5bmNFLW9mUG1yMnhzWnd1RXNON21pYlA5d3E4b05VejV4dmxsb3JjM2M2dG82Wlp3NGZQTnc5QzV4TGRqWWE4WFJmSzRfVXhHdzBCRzhSbWNJMTl2N3ZKNDFqWnp1dUNxMmV6cFI3MEVzaUNhYW56WWU4Zw?oc=5) · Rutland Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63859 (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/51.json (key "63859", 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=63859
- 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