BlastPoint's Credit Union Scorecard
VERITAS
Charter #21354 · TN
VERITAS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.34% above tier average
- + Total Loans: Top 8.3% in tier
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 0.78% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,938
-1.9% YoY-1.0% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 14.4% in tier |
| Assets |
$56.9M
+8.5% YoY+1.9% QoQ
|
+$26.7M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$43.3M
+1.3% YoY+0.4% QoQ
|
+$27.6M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 8.3% in tier |
| Deposits |
$52.2M
+8.8% YoY+2.1% QoQ
|
+$26.5M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.3%
+60.9% YoY+3.2% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
5.3%
+3.4% YoY+0.1% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
83.3%
+3.6% YoY-0.3% QoQ
|
+0.8% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.6%
-11.0% YoY-39.7% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
83.0%
-6.8% YoY-1.7% QoQ
|
+22.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$19,335
+7.3% YoY+2.4% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
22.4%
+0.4% YoY-1.7% QoQ
|
-2.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
1.0%
-50.9% YoY-10.2% QoQ
|
-12.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)