GREEN MOUNTAIN
Charter #63859 · South Burlingto, VT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.80% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.49% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.46% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.92% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 54th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GREEN MOUNTAIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $151.51M | 31th pct | 34th pct |
| Members | 10,123 | 33th pct | 54th pct |
| Net worth ratio | 13.18% | 71th pct | 54th pct |
| Return on average assets | 0.35% | 26th pct | 33th pct |
| Net interest margin | 4.80% | 95th pct | 93th pct |
| Cost of funds | 0.49% | 18th pct | 8th pct |
| Loan-to-share | 116.48% | 100th pct | 97th pct |
| Delinquency 60+ days | 3.46% | 99th pct | 97th pct |
| Net charge-off ratio | 0.92% | 87th pct | 95th pct |
| Loan growth YoY | -2.03% | 24th pct | 20th pct |
| Share growth YoY | -9.90% | 0th pct | 0th pct |
| Efficiency ratio | 69.51% | 23th pct | 31th pct |
structural peer set hash: 30a61d57e18d75d6117e954ee051297b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.