BlastPoint's Credit Union Scorecard
VERIDIAN
Charter #64418 · IA
VERIDIAN has 6 strengths but faces 4 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 31.2% in tier
- + Wallet Share Momentum: Top 31.2% in tier
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Iowa.
- Shares and deposits +13.3% year over year ($7.74B in shares and deposits).
- Membership: 379,914 members, +5.7% vs a year ago.
- Delinquency rate 0.67%.
- Return on assets 1.62%.
- Efficiency ratio 54.03% vs a 66.07% peer average.
- Loan-to-share ratio 102.74% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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% |
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| 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
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)