Verve, a Credit Union

Oshkosh, WI · 2 · Charter #66777 · www.Verveacu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.6B
36th percentile
Members
62,795
12th percentile
Total loans
$1.2B
38th percentile
Total shares
$1.4B
36th percentile

Profitability

Return on assets
-0.16%
2th percentile
Net interest margin
2.79%
25th percentile
Efficiency ratio
50.08%
58th percentile
Non-interest income ratio
14.28%
23th percentile

Capital & Risk

Net worth ratio
9.40%
19th percentile
Delinquency rate
0.35%
85th percentile
Net charge-off rate
0.33%
73th percentile
Loan-to-share
85.39%
41th percentile

Growth

Member growth YoY
1.64%
42th percentile
Asset growth YoY
4.56%
39th percentile
Loan growth YoY
0.20%
20th percentile
Share growth YoY
4.77%
43th percentile

Operations

Members / branch
3,140
2th percentile
Assets / member
$25,601
88th percentile
Field of membership penetration
0.70%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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