TellerScore

Eastrise Federal Credit Union (NCUA charter #19263) is based in Williston, Vermont. Its Q2 2026 call report shows $3.2B in total assets and $2.7B in member shares and deposits and 11 offices.

Eastrise Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 454 credit unions with $1 billion – $10 billion. Among 12 credit unions headquartered in Vermont, it ranks 2nd. Problem-loan coverage contributes the most (92/100, 4.0%); funding & liquidity contributes the least (61/100, 99% loans-to-deposits, 7% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.32%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity61/100
Loans ÷ shares: 99.3% · 7.5% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (69 → 73), mostly because the earnings component improved by 21 points.

TellerScore
677073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202469
Q1 202567
Q2 202569
Q3 202568
Q4 202568
Q1 202668
Q2 202673
Net worth ratio
7.00%9.66%12.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.57%
Q3 202411.87%
Q4 202411.87%
Q1 202511.83%
Q2 202511.97%
Q3 202512.10%
Q4 202511.99%
Q1 202612.09%
Q2 202612.32%
Delinquent loans (60+ days)
0.39%0.53%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.52%
Q4 20240.58%
Q1 20250.39%
Q2 20250.58%
Q3 20250.68%
Q4 20250.63%
Q1 20260.49%
Q2 20260.60%
Return on assets
0.29%0.71%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.77%
Q4 20240.69%
Q1 20250.29%
Q2 20250.62%
Q3 20250.68%
Q4 20250.64%
Q1 20260.45%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$3.2B12.32%0.60%1.14%99.3%
Q1 202668$3.2B12.09%0.49%0.45%99.2%
Q4 202568$3.2B11.99%0.63%0.64%100.4%
Q3 202568$3.1B12.10%0.68%0.68%100.5%
Q2 202569$3.1B11.97%0.58%0.62%98.6%
Q1 202567$3.1B11.83%0.39%0.29%97.8%
Q4 202469$3.0B11.87%0.58%0.69%100.3%
Q3 202470$3.0B11.87%0.52%0.77%100.6%
Q2 202470$3.1B11.57%0.46%0.76%97.8%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.32%
72nd
Problem loans0.60%
59th
Net charge-offs0.10%
93rd
Return on assets1.14%
76th
Loans to deposits99.3%
17th
Uninsured deposits7.5%
68th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
60th

Similar-size credit unions in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
Vermont Federal Credit UnionCredit union So Burlington, VT69 out of 100, Moderate$1.1B10.8%0.47%vs
North Country Federal Credit UnionCredit union Burlington, VT59 out of 100, Moderate$1.1B9.7%1.09%vs

Deposit insurance

Is my money safe at Eastrise Federal Credit Union?

Yes. Eastrise Federal Credit Union is a federally insured credit union (NCUA charter #19263). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.5% of shares and deposits ($198.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Eastrise Federal Credit Union lists 11 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Eastrise Federal Credit Union reported 3,443 home-loan applications under HMDA (LEI 549300TLGCPJTEG3WN76): 2,737 originated ($551,585,000 total), 185 denied, and 497 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Credit Card11.00% – 18.00%$0—1.0%

All Eastrise Federal Credit Union card terms

Identity & history

Profile

Legal name
Eastrise Federal Credit Union
Type
Federal credit union
NCUA charter #
19263
RSSD ID
169989
Primary regulator
NCUA
Established
1961
Headquarters
P.O. Box 527, Williston, VT 05495
Employees
458

Quick answers

Eastrise Federal Credit Union: common questions

Is Eastrise Federal Credit Union NCUA insured?

Yes. Eastrise Federal Credit Union is a federally insured credit union (NCUA charter #19263). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Eastrise Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Eastrise Federal Credit Union have?

11 offices as of the latest NCUA data.

Nearby

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