VERIDIAN

Charter #64418 | IA

7B-10B (30 CUs) Large (64 CUs)
1 7B-10B in IA

VERIDIAN has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.1% in tier
  • + Wallet Share Momentum: Top 7.7% in tier
  • + Organic Growth Engine: Top 21.0% 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
  • - Growth-at-Risk: 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
 27th in tier
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
 Top 16.7% in tier
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
 Bottom 20.0% in tier
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
 70th in tier
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
 43rd in tier
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
 Bottom 20.0% in tier
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
 70th in tier
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
 Top 20.0% in tier
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 (3)

Relationship Depth Leader

growth
#7 of 46 • Top 5.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.84%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#10 of 46 • Top 7.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.84%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Organic Growth Engine

growth
#32 of 50 • Top 21.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.49%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.39%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 40.09%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk
#1 of 32 • Bottom 0.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 107.36%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.10%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#2 of 33 • Bottom 1.0% in tier

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

Why This Signature
Asset Growth (YoY): 8.48%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 40.09%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.49%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY

Growth-at-Risk

risk
#17 of 25 • Bottom 16.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.10%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY

Credit Quality Pressure

risk
#29 of 34 • Bottom 23.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 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)

Comparing against 30 peers in tier

Top Strengths (10 metrics)

1
Loan-to-Share Ratio
balance_sheet
Value: 107.36%
Peer Avg: 85.44%
#1 of 30 Top 0.0% in 7B-10B tier
3
AMR Growth Rate
growth
Value: 6.84%
Peer Avg: 1.77%
#3 of 30 Top 6.7% in 7B-10B tier
4
Loan Growth Rate
growth
Value: 11.10%
Peer Avg: 3.91%
#4 of 30 Top 10.0% in 7B-10B tier
5
Asset Growth Rate
growth
Value: 8.48%
Peer Avg: 2.91%
#5 of 30 Top 13.3% in 7B-10B tier
5
Loan-to-Member Ratio (LMR)
engagement
Value: $20,310
Peer Avg: $15,544
#5 of 30 Top 13.3% in 7B-10B tier
5
Total Loans
balance_sheet
Value: $7.39B
Peer Avg: $6.34B
#5 of 30 Top 13.3% in 7B-10B tier
6
Average Member Relationship (AMR)
engagement
Value: $39,226
Peer Avg: $33,660
#6 of 30 Top 16.7% in 7B-10B tier
7
Efficiency Ratio
profitability
Value: 55.76%
Peer Avg: 63.73%
#7 of 30 Top 20.0% in 7B-10B tier
7
Fee Income Per Member
profitability
Value: $246.23
Peer Avg: $199.46
#7 of 30 Top 20.0% in 7B-10B tier
7
Deposit Growth Rate
growth
Value: 7.84%
Peer Avg: 4.48%
#7 of 30 Top 20.0% in 7B-10B tier

Top Weaknesses (5 metrics)

29
Share Certificate Concentration (%)
balance_sheet
Value: 45.82%
Peer Avg: 26.92%
#29 of 30 Bottom 6.7% in 7B-10B tier
28
Indirect Auto Concentration (%)
balance_sheet
Value: 40.09%
Peer Avg: 18.85%
#28 of 30 Bottom 10.0% in 7B-10B tier
26
Total Members
engagement
Value: 363,770
Peer Avg: 459,296
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Members Per Employee (MPE)
engagement
Value: 344.153
Peer Avg: 450.512
#25 of 30 Bottom 20.0% in 7B-10B tier
24
Total Deposits
balance_sheet
Value: $6.88B
Peer Avg: $7.45B
#24 of 30 Bottom 23.3% in 7B-10B tier