BlastPoint's Credit Union Scorecard

VERIDIAN

Charter #64418 · IA

Large 7B-10B

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

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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

+ Relationship Depth Leader: Top 34.4% in tier
+ ROA 0.62% above tier average
+ Strong member growth: 5.5% YoY
+ Loan-to-Share Ratio: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.5% in tier
- Indirect Auto Dependency: Bottom 28.1% in tier
- Share Certificate Concentration (%): Bottom 3.4% in tier
- Indirect Auto Concentration (%): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	374,001 +5.5% YoY+1.7% QoQ	-62.9K	436,889 -2.3% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	24%
Assets	$8.9B +8.8% YoY+3.4% QoQ	$-12.5M	$8.9B -0.1% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	41%
Loans	$7.7B +9.2% YoY+1.1% QoQ	+$1.5B	$6.1B -1.1% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	Top 13.8% in tier
Deposits	$7.5B +10.7% YoY+5.3% QoQ	$-155.1M	$7.7B +1.8% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +6.1% YoY+12.7% QoQ	+0.6%	0.9% +16.3% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	Top 10.3% in tier
NIM	3.0% +7.7% YoY+2.8% QoQ	-0.1%	3.1% +6.3% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	56.6% -7.6% YoY-0.7% QoQ	-9.5%	66.1% -2.8% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	0.6% -9.7% YoY-28.9% QoQ	+0.0	0.6% +12.0% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	45%
Loan To Share	102.4% -1.4% YoY-4.0% QoQ	+22.0%	80.4% -3.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	Top 3.4% in tier
AMR	$40,595 +4.2% YoY+1.4% QoQ	+$4K	$37,056 +6.8% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	79%
CD Concentration	44.5% -1.6% YoY-1.3% QoQ	+15.8%	28.6%	21.8%	19.8%	Top 4.5% in tier
Indirect Auto %	40.1% -4.4% YoY+0.8% QoQ	+23.7%	16.4%	9.2%	7.7%	Bottom 6.1% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#10 of 16 • Top 34.4% 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): 4.19%

(Tier: 4.10%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.4K, National: $2.1K)

better than tier avg

16 of 66 Large CUs have this signature | 342 nationally

→ Stable (11→16 CUs) +5 CUs YoY

Concerns (2)

Liquidity Strain

risk

#3 of 26 • Bottom 4.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.44%

(Tier: 82.82%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.20%

(Tier: 7.53%, National: 1.74%)

but better than tier avg

26 of 66 Large CUs have this signature | 367 nationally

→ Stable (27→26 CUs) -1 CUs YoY

Indirect Auto Dependency

risk

#5 of 34 • Bottom 28.1% in tier

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

Why This Signature

Asset Growth (YoY): 8.81%

(Tier: 8.53%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 40.07%

(Tier: 16.37%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.53%

(Tier: 4.32%, National: 10.19%)

but better than tier avg

34 of 66 Large CUs have this signature | 745 nationally

→ Stable (34→34 CUs)

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 29 peers in tier

Top Strengths (10 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 102.44%

Peer Median: 82.39%

#1 of 29 Top 0.1% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Median: 0.92%

#3 of 29 Top 6.9% in 7B-10B tier

Total Loans

balance_sheet

Value: $7.68B

Peer Median: $6.40B

#4 of 29 Top 10.3% in 7B-10B tier

Deposit Growth Rate

growth

Value: 10.73%

Peer Median: 4.66%

#5 of 29 Top 13.8% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,542

Peer Median: $13,058

#5 of 29 Top 13.8% in 7B-10B tier

Efficiency Ratio

profitability

Value: 56.56%

Peer Median: 65.65%

#6 of 29 Top 17.2% in 7B-10B tier

Asset Growth Rate

growth

Value: 8.81%

Peer Median: 3.62%

#6 of 29 Top 17.2% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $40,595

Peer Median: $30,591

#6 of 29 Top 17.2% in 7B-10B tier

Member Growth Rate

growth

Value: 5.53%

Peer Median: 2.73%

#7 of 29 Top 20.7% in 7B-10B tier

Loan Growth Rate

growth

Value: 9.20%

Peer Median: 4.07%

#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 44.46%

Peer Median: 25.99%

#29 of 29 Bottom 3.4% in 7B-10B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 40.07%

Peer Median: 17.02%

#28 of 29 Bottom 6.9% in 7B-10B tier