Veritas

Smyrna, TN · 1 · Charter #21354 · www.veritasfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$56.9M
8th percentile
Members
4,938
24th percentile
Total loans
$43.3M
32th percentile
Total shares
$46.2M
5th percentile

Profitability

Return on assets
1.13%
57th percentile
Net interest margin
5.24%
98th percentile
Efficiency ratio
69.84%
27th percentile
Non-interest income ratio
19.33%
61th percentile

Capital & Risk

Net worth ratio
7.80%
3th percentile
Delinquency rate
0.61%
57th percentile
Net charge-off rate
0.99%
11th percentile
Loan-to-share
93.83%
91th percentile

Growth

Member growth YoY
-1.89%
35th percentile
Asset growth YoY
8.47%
83th percentile
Loan growth YoY
1.32%
50th percentile
Share growth YoY
4.90%
63th percentile

Operations

Members / branch
2,469
35th percentile
Assets / member
$11,514
24th percentile
Field of membership penetration
2.15%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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