BlastPoint's Credit Union Scorecard
VERIDIAN
Charter #64418 · IA
VERIDIAN has 5 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 20.8% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.42% above tier average
- + Strong member growth: 5.2% YoY
- + Loan-to-Share Ratio: Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.0% in tier
- - Indirect Auto Dependency: Bottom 14.7% in tier
- - Delinquency rate 0.14% above tier average
- - Share Certificate Concentration (%): Bottom 6.1% in tier
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
367,737
+5.2% YoY+1.1% QoQ
|
-78.2K |
445,922
+0.4% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$8.6B
+8.1% YoY+2.8% QoQ
|
$-323.5M |
$8.9B
+0.9% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$7.6B
+10.9% YoY+2.9% QoQ
|
+$1.3B |
$6.3B
+0.8% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$7.1B
+8.2% YoY+3.5% QoQ
|
$-397.1M |
$7.5B
+1.2% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
1.4%
+7.0% YoY-0.6% QoQ
|
+0.4% |
1.0%
+27.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
2.9%
+12.0% YoY+0.6% QoQ
|
-0.1% |
3.0%
+12.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
57.0%
-3.9% YoY+2.1% QoQ
|
-7.8% |
64.8%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.9%
-0.9% YoY-3.5% QoQ
|
+0.1 |
0.7%
+5.5% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
106.8%
+2.5% YoY-0.6% QoQ
|
+23.3% |
83.4%
-0.6% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 3.0% in tier |
| AMR |
$40,041
+4.1% YoY+2.1% QoQ
|
+$6K |
$34,266
-1.7% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
45.1%
-1.4% YoY-1.7% QoQ
|
+15.9% | 29.1% | 22.0% | 19.8% | Top 6.0% in tier |
| Indirect Auto % |
39.8%
-4.6% YoY-0.8% QoQ
|
+22.7% | 17.1% | 9.2% | 7.8% | Top 7.5% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)