BlastPoint's Credit Union Scorecard

VERVE, A CREDIT UNION

Charter #66777 · WI

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 5 in WI

View Mid-Market leaderboard →

VERVE, A CREDIT UNION has 5 strengths but faces 5 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 52.1% in tier
+ Organic Growth Leader: Top 52.1% in tier
+ Emerging Performer: Top 57.4% in tier
+ Loan-to-Member Ratio (LMR): Top 8.5% in tier
+ Average Member Relationship (AMR): Top 9.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 31.6% in tier
- Credit Risk Growth: Bottom 71.1% in tier
- ROA 0.12% below tier average
- Efficiency ratio 1.22% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	63,183 +2.1% YoY+0.6% QoQ	-32.9K	96,048 -2.7% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	19%
Assets	$1.6B -0.1% YoY-1.3% QoQ	$-133.4M	$1.7B +0.4% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	54%
Loans	$1.2B +1.8% YoY+0.1% QoQ	$-56.6M	$1.2B +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	56%
Deposits	$1.4B +2.6% YoY+0.8% QoQ	$-90.7M	$1.5B +0.5% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	54%

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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	0.6% +207.8% YoY+50.7% QoQ	-0.1%	0.7% +27.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	44%
NIM	3.0% +17.0% YoY+8.2% QoQ	-0.3%	3.4% +6.2% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	75.9% -13.8% YoY-7.3% QoQ	+1.2%	74.6% -3.0% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.4% +41.4% YoY+2.3% QoQ	-0.4	0.8% +6.9% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	23%
Loan To Share	84.2% -0.7% YoY-0.7% QoQ	+1.0%	83.2% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	47%
AMR	$40,075 +0.1% YoY-0.1% QoQ	+$10K	$29,652 +2.3% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Top 10.1% in tier
CD Concentration	23.8% -11.4% YoY-0.2% QoQ	-5.0%	28.8%	21.6%	19.8%	28%
Indirect Auto %	0.0%	-18.1%	18.1%	8.0%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#87 of 115 • Top 52.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.08%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.59%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#89 of 116 • Top 52.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.08%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Emerging Performer

growth

#74 of 79 • Top 57.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.59%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.08%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#120 of 225 • Bottom 31.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#152 of 183 • Bottom 71.1% in tier

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

Why This Signature

Loan Growth (YoY): 1.81%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,314

Peer Median: $12,733

#27 of 306 Top 8.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $40,075

Peer Median: $28,178

#31 of 306 Top 9.8% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Median: 0.63%

#71 of 306 Top 22.9% in 1B-3B tier

Top Weaknesses (3 metrics)

291

Members Per Employee (MPE)

engagement

Value: 236.640

Peer Median: 345.077

#291 of 306 Bottom 5.2% in 1B-3B tier

266

Asset Growth Rate

growth

Value: -0.10%

Peer Median: 4.82%

#266 of 306 Bottom 13.4% in 1B-3B tier

248

Total Members

engagement

Value: 63,183

Peer Median: 85,918

#248 of 306 Bottom 19.3% in 1B-3B tier