BlastPoint's Credit Union Scorecard
VERVE, A CREDIT UNION
Charter #66777 · WI
VERVE, A CREDIT UNION has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 52.4% in tier
- + Organic Growth Engine: Top 52.4% in tier
- + Emerging Performer: Top 77.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
- + Average Member Relationship (AMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 4.24% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.0% in tier
- - Asset Growth Rate: Bottom 8.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +1.8% year over year ($1.37B in shares and deposits).
- Membership: 63,472 members, +1.9% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 0.51%.
- Efficiency ratio 77.26% vs a 73.02% peer average.
- Loan-to-share ratio 84.89% vs a 84.71% 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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
63,472
+1.9% YoY+0.5% QoQ
|
-33.4K |
96,861
-1.9% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$1.6B
-1.5% YoY-0.6% QoQ
|
$-146.7M |
$1.7B
+0.4% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$1.2B
+1.3% YoY+0.8% QoQ
|
$-67.5M |
$1.2B
+0.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$1.4B
+1.8% YoY-0.0% QoQ
|
$-89.0M |
$1.5B
+0.5% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.5%
+82.7% YoY-14.4% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.1%
+17.7% YoY+2.9% QoQ
|
-0.3% |
3.4%
+6.6% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
77.3%
-10.0% YoY+1.9% QoQ
|
+4.2% |
73.0%
-2.7% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
0.4%
-16.0% YoY+5.7% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
84.9%
-0.4% YoY+0.9% QoQ
|
+0.2% |
84.7%
+0.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$40,035
-0.3% YoY-0.1% QoQ
|
+$10K |
$29,575
+1.5% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Top 10.0% in tier |
| CD Concentration |
22.7%
-10.8% YoY-4.9% QoQ
|
-6.4% | 29.1% | 21.6% | 20.0% | 24% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 8.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)