Credit Union Of Vermont

Credit Union Of Vermont is headquartered in Rutland and is the 12^st largest credit union in the state of Vermont. It is also the 2,982^nd largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 6 employees and 2,690 members. Credit Union Of Vermont's CD rates are 22% higher than the national average, and it boasts a 5-star health rating.

Credit Union Of Vermont Routing Number: 211691334

Credit Union Of Vermont Savings Account Rates

Credit Union Of Vermont Money Market Rates

Credit Union Of Vermont CD Rates

Credit Union Of Vermont IRA Rates

Data for Q4 2011

Institution Statistics CREDIT UNION OF VERMONT NCUA # 63896 BankRate Report View Year Chartered 1958 Employees 6 Primary Regulator Assets and Liabilities Assets $29.21 million Loans $21.83 million Deposits $25.83 million Equity Capital $3.27 million Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $40,000 Historic Data - December 2010 Assets $27.10 million Equity Capital $3.06 million Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $26,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.71% Return on Equity 6.31% Interest Income $1.05 million Non-Interest Income $236,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Credit Union Of Vermont had $40,000 in non-current loans and owned real-estate with $3.28 million in equity and loan loss allowances on hand to cover it. This gives Credit Union Of Vermont a Texas Ratio of 1.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Credit Union Of Vermont held steady from 0.85% as of December 31, 2010 to 1.22% as of December 31, 2011, resulting in a negative change of 44.31%. This indicates that the balance sheet and financial strength for Credit Union Of Vermont has held steady in recent periods. Deposit Growth In the past year, Credit Union Of Vermont has increased its total deposits by $1.88 million, resulting in 7.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Credit Union Of Vermont has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Credit Union Of Vermont has $29.21 million in assets with $3.28 million in equity, resulting in a capitalization level of 11.21%, which is above average.

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