BlastPoint's Credit Union Scorecard

VERIDIAN

Charter #64418 · IA

Large 7B-10B

Veridian at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Veridian is one of 101 credit unions in the 2026 VentureTech card set. We also found Veridian's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Veridian

Turn your sound on

Tap a card to see it up close

VERIDIAN
PEER · AT VENTURETECH
PEER · AT VENTURETECH
VERIDIAN'S BIGGEST OPPORTUNITY

28 CUs in 7B-10B nationally 1 in IA

View Large leaderboard →

VERIDIAN has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.60% above tier average
+ Strong member growth: 5.7% YoY
+ Total Loans: Top 0.1% in tier
+ Loan-to-Share Ratio: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.1% in tier
- Indirect Auto Dependency: Bottom 17.2% in tier
- Share Certificate Concentration (%): Bottom 3.6% in tier
- Indirect Auto Concentration (%): Bottom 7.1% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	379,914 +5.7% YoY+1.6% QoQ	-59.0K	438,885 -1.1% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	29%
Assets	$9.2B +10.3% YoY+2.9% QoQ	+$233.6M	$8.9B +0.0% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	54%
Loans	$8.0B +9.6% YoY+3.5% QoQ	+$1.7B	$6.2B -0.6% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	Top 3.6% in tier
Deposits	$7.7B +13.3% YoY+3.2% QoQ	+$83.8M	$7.7B +2.7% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	43%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% +7.9% YoY+4.1% QoQ	+0.6%	1.0% +4.7% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	Top 10.7% in tier
NIM	3.0% +7.1% YoY+1.4% QoQ	-0.1%	3.1% +6.6% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	43%
Efficiency Ratio	54.0% -5.0% YoY-4.5% QoQ	-12.0%	66.1% +1.6% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	Top 14.3% in tier
Delinquency Rate	0.7% -12.5% YoY+9.7% QoQ	-0.1	0.8% +23.1% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	43%
Loan To Share	102.7% -3.3% YoY+0.3% QoQ	+21.5%	81.3% -3.8% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	Top 3.6% in tier
AMR	$41,306 +5.4% YoY+1.8% QoQ	+$4K	$37,279 +8.1% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	79%
CD Concentration	44.9% -2.8% YoY+0.9% QoQ	+16.5%	28.3%	21.7%	20.0%	Top 4.5% in tier
Indirect Auto %	40.0% -2.0% YoY-0.2% QoQ	+23.2%	16.8%	9.1%	7.7%	Bottom 7.6% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#10 of 16 • Top 31.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.35%

(Tier: 4.16%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $3.3K, National: $2.1K)

better than tier avg

16 of 67 Large CUs have this signature | 354 nationally

→ Stable (12→16 CUs) +4 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#20 of 20 • Top 31.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.35%

(Tier: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#3 of 35 • Bottom 17.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.35%

(Tier: 8.71%, National: 3.30%)

but better than tier avg

Indirect Auto %: 40.01%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 5.73%

(Tier: 4.24%, National: 15.67%)

but better than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY

Liquidity Strain

risk

#4 of 28 • Bottom 6.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.74%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.56%

(Tier: 7.79%, National: 78.26%)

but better than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY

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)

Compare against:

Comparing against 28 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $7.95B

Peer Median: $6.60B

#1 of 28 Top 0.1% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.74%

Peer Median: 83.58%

#1 of 28 Top 0.1% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 1.62%

Peer Median: 1.12%

#3 of 28 Top 7.1% in 7B-10B tier

Deposit Growth Rate

growth

Value: 13.33%

Peer Median: 5.19%

#4 of 28 Top 10.7% in 7B-10B tier

Efficiency Ratio

profitability

Value: 54.03%

Peer Median: 63.82%

#5 of 28 Top 14.3% in 7B-10B tier

Asset Growth Rate

growth

Value: 10.35%

Peer Median: 4.49%

#5 of 28 Top 14.3% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,932

Peer Median: $13,051

#5 of 28 Top 14.3% in 7B-10B tier

Member Growth Rate

growth

Value: 5.73%

Peer Median: 2.28%

#6 of 28 Top 17.9% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $41,306

Peer Median: $31,495

#6 of 28 Top 17.9% in 7B-10B tier

Loan Growth Rate

growth

Value: 9.56%

Peer Median: 4.76%

#8 of 28 Top 25.0% in 7B-10B tier

Top Weaknesses (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 44.86%

Peer Median: 26.96%

#28 of 28 Bottom 3.6% in 7B-10B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 40.01%

Peer Median: 15.88%

#27 of 28 Bottom 7.1% in 7B-10B tier