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Vermont Credit Union Performance
How the 13 credit unions based in Vermont are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Vermont's 13 credit unions serve 454,313 members and hold $7.29B in combined assets. The median Vermont credit union earned a 0.42% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Vermont credit unions was 3.43%, compared with -0.55% nationally. Median one-year asset growth was 5.86%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Vermont at a glance
Vermont vs. the United States
System totals are the sum of every credit union based in Vermont. The share column is Vermont's portion of the national figure.
| Measure | Vermont | United States | Vermont share |
|---|---|---|---|
| Credit unions | 13 | 4,335 | 0.3% |
| Members | 454,313 | 147,031,529 | 0.3% |
| Residents (population) | 648,493 | 340,110,988 | 0.2% |
| Total assets | $7.29B | $2,507.50B | 0.3% |
| Total loans | $5.78B | $1,744.86B | 0.3% |
| Total shares & deposits | $6.20B | $2,143.21B | 0.3% |
| Total net worth | $828.8M | $282.23B | 0.3% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Vermont credit unions report about 70 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Vermont credit unions serve members in other states, so it overstates true in-state penetration.)
The median Vermont credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Vermont CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.42% | 0.66% |
| Net worth ratio | 10.68% | 12.44% |
| Loan-to-share ratio | 82.95% | 67.86% |
| Delinquency ratio | 0.81% | 0.63% |
| Net charge-off ratio | 0.42% | 0.33% |
| Cost of funds | 1.06% | 1.05% |
| Member growth (1 yr) | 3.43% | -0.55% |
| Asset growth (1 yr) | 5.86% | 2.78% |
| Loan growth (1 yr) | 5.44% | 0.63% |
| Share growth (1 yr) | 6.27% | 2.36% |
| Net worth growth (1 yr) | 5.97% | 5.57% |
Trends over time
The median Vermont credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.58% · 0.72%
— Vermont ‑‑ U.S.
Net worth ratio 11.29% · 12.46%
— Vermont ‑‑ U.S.
Loan-to-share ratio 83.01% · 69.70%
— Vermont ‑‑ U.S.
Delinquency ratio 0.94% · 0.72%
— Vermont ‑‑ U.S.
Asset growth (1 yr) 6.21% · 3.26%
— Vermont ‑‑ U.S.
Member growth (1 yr) 1.80% · -0.52%
— Vermont ‑‑ U.S.
Vermont leaderboards
Largest by assets
- 1 New England Credit Union $3.17B
- 2 NorthCountry Credit Union $1.13B
- 3 Vermont Credit Union $1.13B
- 4 Heritage Family Credit Union $852.9M
- 5 Central Vermont Teachers Credit Union $500.3M
- 6 Champlain Valley Credit Union $263.2M
- 7 Green Mountain Credit Union $151.5M
- 8 Northern Lights Credit Union $43.7M
- 9 Members 1st Credit Union $23.2M
- 10 Central Vermont Medical Center, Inc. Credit Union $12.6M
Highest return on assets
- 1 Central Vermont Teachers Credit Union 1.28%
- 2 Vermont Credit Union 0.91%
- 3 NorthCountry Credit Union 0.52%
- 4 Heritage Family Credit Union 0.46%
- 5 New England Credit Union 0.46%
- 6 Green Mountain Credit Union 0.42%
- 7 Champlain Valley Credit Union 0.22%
Fastest-growing (organic)
- 1 NorthCountry Credit Union 8.84%
- 2 Heritage Family Credit Union 5.71%
- 3 New England Credit Union 3.28%
- 4 Champlain Valley Credit Union 0.78%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Vermont that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.