TellerScore

One Credit Union (NCUA charter #63923) is based in Springfield, Vermont. Its Q2 2026 call report shows $263.6M in total assets and $245.4M in member shares and deposits and 2 offices.

One Credit Union has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 1,341 credit unions with $100 million – $1 billion. Among 12 credit unions headquartered in Vermont, it ranks 10th. Funding & liquidity contributes the most (82/100, 78% loans-to-deposits, 4% uninsured); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Net worth ratio: 7.79%
Loan quality49/100
Loans 60+ days delinquent ÷ total loans: 1.52%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity82/100
Loans ÷ shares: 77.8% · 3.8% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.70%

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 fell 5 points (50 → 45), mostly because the loan quality component weakened by 18 points.

TellerScore
434955Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202443
Q4 202444
Q1 202550
Q2 202550
Q3 202555
Q4 202550
Q1 202651
Q2 202645
Net worth ratio
7.00%7.39%7.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.56%
Q3 20247.45%
Q4 20247.43%
Q1 20257.42%
Q2 20257.44%
Q3 20257.71%
Q4 20257.78%
Q1 20267.77%
Q2 20267.79%
Delinquent loans (60+ days)
0.71%1.11%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.49%
Q3 20241.49%
Q4 20241.25%
Q1 20250.93%
Q2 20250.98%
Q3 20250.71%
Q4 20251.18%
Q1 20261.06%
Q2 20261.52%
Return on assets
-0.11%0.15%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 2024-0.06%
Q4 2024-0.11%
Q1 20250.18%
Q2 20250.21%
Q3 20250.40%
Q4 20250.41%
Q1 20260.22%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$263.6M7.79%1.52%0.18%77.8%
Q1 202651$263.2M7.77%1.06%0.22%78.2%
Q4 202550$261.1M7.78%1.18%0.41%80.0%
Q3 202555$259.8M7.71%0.71%0.40%80.8%
Q2 202550$262.6M7.44%0.98%0.21%77.5%
Q1 202550$261.2M7.42%0.93%0.18%76.7%
Q4 202444$259.2M7.43%1.25%-0.11%78.6%
Q3 202443$260.8M7.45%1.49%-0.06%76.5%
Q2 202444$258.7M7.56%1.49%0.01%76.2%

1,341 peers · $100 million – $1 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 ratio7.79%
3rd
Problem loans1.52%
13th
Net charge-offs0.55%
31st
Return on assets0.18%
10th
Loans to deposits77.8%
45th
Uninsured deposits3.8%
73rd
Loan-loss reserves0.00%
50th
Texas ratio14.7%
5th

Similar-size credit unions in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
Green Mountain Credit UnionCredit union South Burlingto, VT45 out of 100, Below average$152.0M13.7%3.91%vs
802 Credit UnionCredit union Barre, VT67 out of 100, Moderate$507.7M12.5%1.50%vs
Heritage Family Federal Credit UnionCredit union Rutland, VT71 out of 100, Strong$869.8M12.1%0.86%vs

Deposit insurance

Is my money safe at One Credit Union?

Yes. One Credit Union is a federally insured credit union (NCUA charter #63923). 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 3.8% of shares and deposits ($9.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.79%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

One Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, One Credit Union reported 155 home-loan applications under HMDA (LEI 549300KO4HWF5JO6UV73): 116 originated ($9,610,000 total), 19 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.1%, 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.

Identity & history

Profile

Legal name
One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63923
RSSD ID
669395
Primary regulator
State + NCUA
Established
1952
Headquarters
380 River St, Springfield, VT 05156
Employees
64

Quick answers

One Credit Union: common questions

Is One Credit Union NCUA insured?

Yes. One Credit Union is a federally insured credit union (NCUA charter #63923). 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 One Credit Union's TellerScore?

45 out of 100 (Below average), 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 One Credit Union have?

2 offices as of the latest NCUA data.