BlastPoint's Credit Union Scorecard
VERVE, A CREDIT UNION
Charter #66777 · WI
VERVE, A CREDIT UNION has 6 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 81.6% in tier
- + Organic Growth Engine: Top 84.5% in tier
- + Relationship Depth Leader: Top 100.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
- + Average Member Relationship (AMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 74.2% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 7.81% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,795
+1.6% YoY+0.3% QoQ
|
-34.6K |
97,431
-2.4% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$1.6B
+4.6% YoY+1.3% QoQ
|
$-115.7M |
$1.7B
+0.9% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$1.2B
+0.2% YoY+0.6% QoQ
|
$-78.3M |
$1.2B
+0.5% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$1.4B
+5.1% YoY+2.3% QoQ
|
$-95.5M |
$1.5B
+0.9% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.4%
+655.9% YoY+17.3% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
2.8%
+16.3% YoY+2.0% QoQ
|
-0.5% |
3.3%
+9.2% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
81.9%
-9.6% YoY-2.1% QoQ
|
+7.8% |
74.1%
-9.5% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.4%
-12.6% YoY-4.0% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
84.8%
-4.7% YoY-1.7% QoQ
|
-0.0% |
84.8%
-0.8% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$40,131
+1.1% YoY+1.2% QoQ
|
+$11K |
$29,428
+2.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 9.9% in tier |
| CD Concentration |
23.9%
-14.5% YoY+1.1% QoQ
|
-5.2% | 29.0% | 21.5% | 19.8% | 28% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-18.3% | 18.3% | 8.0% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)