BlastPoint's Credit Union Scorecard
VERIDIAN
Charter #64418 · IA
VERIDIAN has 8 strengths but faces 7 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
- + Relationship Depth Leader: Top 15.4% in tier
- + Organic Growth Engine: Top 21.0% in tier
- + Wallet Share Momentum: Top 52.9% in tier
- + Profitability Leader: Top 66.7% in tier
- + ROA 0.36% above tier average
- + Loan-to-Share Ratio: Top 0.0% in tier
- + AMR Growth Rate: Top 6.7% in tier
- + Loan Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.0% in tier
- - Indirect Auto Dependency: Bottom 1.0% in tier
- - Credit Risk Growth: Bottom 16.5% in tier
- - Credit Quality Pressure: Bottom 23.0% in tier
- - Delinquency rate 0.22% above tier average
- - Share Certificate Concentration (%): Bottom 6.7% in tier
- - Indirect Auto Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
363,770
+2.5% YoY+1.2% QoQ
|
-95.5K |
459,296
+3.8% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 13.3% in tier |
| Assets |
$8.4B
+8.5% YoY+1.0% QoQ
|
$-548.1M |
$8.9B
+1.2% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$7.4B
+11.1% YoY+1.8% QoQ
|
+$1.0B |
$6.3B
+2.9% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$6.9B
+7.8% YoY+0.8% QoQ
|
$-572.3M |
$7.5B
+2.3% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
1.4%
+9.4% YoY-7.5% QoQ
|
+0.4% |
1.0%
+22.1% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
2.9%
+10.9% YoY+2.0% QoQ
|
-0.1% |
3.0%
+11.5% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
55.8%
-4.5% YoY-2.0% QoQ
|
-8.0% |
63.7%
-2.2% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.9%
+2.0% YoY+16.3% QoQ
|
+0.2 |
0.7%
+10.8% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
107.4%
+3.0% YoY+1.0% QoQ
|
+21.9% |
85.4%
+0.7% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 3.3% in tier |
| AMR |
$39,226
+6.8% YoY+0.0% QoQ
|
+$6K |
$33,660
-2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
45.8%
-1.1% YoY-0.7% QoQ
|
+17.0% |
28.9%
-1.3% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
Top 6.2% in tier |
| Indirect Auto % |
40.1%
-4.1% YoY-1.8% QoQ
|
+23.5% |
16.6%
-10.3% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
Top 4.7% in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)