Green Mountain Credit Union
South Burlingto, VT·Charter 63859·cu:63859·Credit union RBC / net worth
- #7 of 12Total assets in Vermont
- 9,140members
- #9 of 2,364Loan growth in the U.S.
- Top 1%Share growth in the U.S.
- #10 of 1,105Business loan growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Green Mountain Credit Union
11 of 24 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Membership growing while the peer median shrinksStrength: Membership 2nd quarter+99.0%peers -0.2%+99.2 pp
Green Mountain Credit Union's membership grew 99.0% over the past year. The median among 770 similar credit unions was -0.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +99.0% | -0.2% | +99.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Mountain Credit Union itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+54.7%peers +2.6%+52.0 pp
Green Mountain Credit Union's loans grew 54.7% over the past year to $138 million. The median among 770 similar credit unions was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +54.7% | +2.6% | +52.0 pp |
| Loans | ||
| $138 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Mountain Credit Union itself is left out of every peer median and percentile. How signals work
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter8.1%peers 0.0%+8.1 pp
Green Mountain Credit Union's borrowings as a share of assets rose 8.1 percentage points over the past year to 8.1%. Among 770 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 8.1% | 0.0% | +8.1 pp |
| 12-month change | ||
| +8.1 pp | 0.0 pp | +8.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Mountain Credit Union itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+48.8%peers +4.0%+44.8 pp
Green Mountain Credit Union's total assets grew 48.8% over the past year to $152 million. The median among 770 similar credit unions was +4.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +48.8% | +4.0% | +44.8 pp |
| Total assets | ||
| $152 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Mountain Credit Union itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the share base as cash fallsWorth a look: Liquidity 2nd quarter120.5%+15.0 pp in 12 months
Green Mountain Credit Union's loans rose to 120.5% of shares and deposits, 15.0 percentage points higher than a year earlier, while cash fell to 4.7% of assets. The median change in the loan-to-share ratio among 770 similar credit unions was -0.4 pp.
| Observed | Change |
|---|---|
| Loans / shares and deposits | |
| 120.5% | +15.0 pp in 12 months |
| Cash / assets | |
| 4.7% | -3.5 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Mountain Credit Union itself is left out of every peer median and percentile. How signals work
6 more observations
- Auto lending growing while the peer median shrinksLending
- Reliance on share certificates falling while the peer median risesFunding
- Shares and deposits growing faster than peersFunding
- Commercial lending growing with steady creditLending
- Member business lending growing faster than peersLending
- Share and deposit costs among the highest of similar credit unionsFunding
Key facts
- Green Mountain Credit Union is a state-chartered credit union headquartered in South Burlingto, Vermont. It reported $152 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $115 million, up 35.5% from a year earlier, and loans totaled $138 million, up 54.7%.
- Its net interest margin on average assets was 4.24% and its annualized return on assets was 0.29% for the quarter.
- Its cost of all shares and deposits was 2.28%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 9,140 members, up 99.0% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Green Mountain Credit Union's own data, FORFI would look at: Which member segments are going inactive, and what would re-engage them.
Analysis workspaces
Sources and identifiers
- Institution
- Green Mountain Credit Union · Credit union
- NCUA charter
- 63859
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Mountain Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $109.72K | |
| $2.34M | |
| $740.27K | |
| $1.6M | |
| $228.46K | |
| $1.68M | |
| $43.44K | |
| $43.44K | |
| 0.29% | |
| 4.24% | |
| 91.64% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.