Veridian

Waterloo, IA · 2 · Charter #64418 · www.veridiancu.org
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
$8.6B
95th percentile
Members
367,737
91th percentile
Total loans
$7.6B
99th percentile
Total shares
$6.9B
94th percentile

Profitability

Return on assets
1.48%
81th percentile
Net interest margin
2.86%
28th percentile
Efficiency ratio
36.15%
93th percentile
Non-interest income ratio
16.90%
38th percentile

Capital & Risk

Net worth ratio
11.45%
63th percentile
Delinquency rate
0.86%
39th percentile
Net charge-off rate
0.31%
76th percentile
Loan-to-share
109.64%
94th percentile

Growth

Member growth YoY
5.20%
78th percentile
Asset growth YoY
8.13%
70th percentile
Loan growth YoY
10.86%
82th percentile
Share growth YoY
6.94%
64th percentile

Operations

Members / branch
10,816
78th percentile
Assets / member
$23,407
83th percentile
Field of membership penetration
4.71%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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