Vermont Federal Credit Union

Vermont Federal Credit Union is headquartered in Burlington and is the 4^th largest credit union in the state of Vermont. It is also the 562^nd largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 105 employees and 35,236 members. Vermont Federal Credit Union has a 5-star health rating.

Vermont Federal Credit Union Routing Number: 211691062

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Data for Q4 2012

Institution Statistics VERMONT NCUA # 24405 BankRate Report View Year Chartered 1953 Employees 105 Primary Regulator Assets and Liabilities Assets $364.49 million Loans $211.00 million Deposits $314.79 million Equity Capital $35.29 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $2.22 million Real Estate Owned $465,000 Historic Data - December 2011 Assets $335.79 million Equity Capital $32.30 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $2.80 million Real Estate Owned $863,000 Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 1.04% Return on Equity 10.77% Interest Income $13.86 million Non-Interest Income $8.76 million

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, 2012 Vermont Federal Credit Union had $2.68 million in non-current loans and owned real-estate with $36.7 million in equity and loan loss allowances on hand to cover it. This gives Vermont Federal Credit Union a Texas Ratio of 7.31% 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 Vermont Federal Credit Union decreased slightly from 10.87% as of December 31, 2011 to 7.31% as of December 31, 2012, resulting in a positive change of 32.75%.This indicates that the balance sheet and financial strength for Vermont Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Vermont Federal Credit Union has increased its total deposits by $43.74 million, resulting in 16.14% 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 Vermont Federal Credit Union 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. Vermont Federal Credit Union has $364.48 million in assets with $36.7 million in equity, resulting in a capitalization level of 10.07%, which is above average.

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