BlastPoint's Credit Union Scorecard

VERVE, A CREDIT UNION

Charter #66777 · WI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in WI

View Mid-Market leaderboard →

VERVE, A CREDIT UNION has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 30.4% in tier
+ Organic Growth Leader: Top 32.1% in tier
+ Credit Quality Leader: Top 76.6% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 8.2% in tier
+ Average Member Relationship (AMR): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.1% in tier
- ROA 0.37% below tier average
- Efficiency ratio 9.67% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	62,598 +1.0% YoY+0.5% QoQ	-36.1K	98,678 -1.9% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	17%
Assets	$1.6B +1.1% YoY-0.9% QoQ	$-132.6M	$1.7B +0.5% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	53%
Loans	$1.1B +0.6% YoY-0.2% QoQ	$-83.8M	$1.2B +0.5% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	54%
Deposits	$1.3B +2.6% YoY-1.3% QoQ	$-121.6M	$1.5B +1.3% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	52%

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	0.3% +1663.2% YoY+20.7% QoQ	-0.4%	0.7% +13.4% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	18%
NIM	2.8% +16.8% YoY+3.7% QoQ	-0.5%	3.3% +9.3% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	18%
Efficiency Ratio	83.6% -7.8% YoY-2.5% QoQ	+9.7%	74.0% -10.9% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	Top 11.8% in tier
Delinquency Rate	0.4% -7.2% YoY-19.1% QoQ	-0.5	0.8% +6.1% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	19%
Loan To Share	86.2% -1.9% YoY+1.1% QoQ	+1.0%	85.2% -0.8% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	45%
AMR	$39,649 +0.6% YoY-1.3% QoQ	+$10K	$29,172 +2.8% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	Top 9.5% in tier
CD Concentration	23.6% -17.8% YoY-7.1% QoQ	-5.3%	29.0% +0.7% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	26%
Indirect Auto %	0.0% -100.0% YoY	-18.8%	18.8% -3.0% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#221 of 246 • Top 30.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.04%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.34%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth

#127 of 138 • Top 32.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.04%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Credit Quality Leader

growth

#73 of 95 • Top 76.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.37%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.03% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#44 of 96 • Bottom 13.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.65%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 1.04%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,359

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $39,649

Peer Avg: -

#29 of 304 Top 9.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Avg: -

#59 of 304 Top 19.1% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.30%

Peer Avg: -

#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (6 metrics)

297

Members Per Employee (MPE)

engagement

Value: 226.804

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

269

Efficiency Ratio

profitability

Value: 83.65%

Peer Avg: -

#269 of 304 Bottom 11.8% in 1B-3B tier

253

Total Members

engagement

Value: 62,598

Peer Avg: -

#253 of 304 Bottom 17.1% in 1B-3B tier

249

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Avg: -

#249 of 304 Bottom 18.4% in 1B-3B tier

248

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Avg: -

#248 of 304 Bottom 18.8% in 1B-3B tier

246

Net Worth Ratio

risk

Value: 9.42%

Peer Avg: -

#246 of 304 Bottom 19.4% in 1B-3B tier