Verity

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$791.2M

86^th percentile

Members

34,720

64^th percentile

Total loans

$590.0M

89^th percentile

Total shares

$695.3M

89^th percentile

Profitability

Return on assets

0.50%

19^th percentile

Net interest margin

3.66%

65^th percentile

Efficiency ratio

72.19%

7^th percentile

Non-interest income ratio

16.29%

33^th percentile

Capital & Risk

Net worth ratio

8.91%

15^th percentile

Delinquency rate

1.15%

21^th percentile

Net charge-off rate

0.78%

19^th percentile

Loan-to-share

84.85%

61^th percentile

Growth

Member growth YoY

-4.95%

10^th percentile

Asset growth YoY

1.92%

24^th percentile

Loan growth YoY

-4.45%

10^th percentile

Share growth YoY

2.58%

33^th percentile

Operations

Members / branch

5,787

70^th percentile

Assets / member

$22,788

86^th percentile

Field of membership penetration

0.43%

4^th percentile

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