BlastPoint's Credit Union Scorecard
VERITY
Charter #68517 · WA
VERITY has 2 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 58.0% in tier
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 9.4% in tier
- - Institutional Decline: Bottom 11.7% in tier
- - Membership Headwinds: Bottom 24.0% in tier
- - Efficiency Drag: Bottom 55.5% in tier
- - Credit Quality Pressure: Bottom 64.8% in tier
- - ROA 0.93% below tier average
- - Efficiency ratio 14.64% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -5.0% YoY
- - Loan Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,720
-5.0% YoY-1.7% QoQ
|
-17.4K |
52,084
-1.6% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$791.2M
+1.9% YoY+2.1% QoQ
|
$-72.7M |
$863.9M
+0.5% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$590.0M
-4.5% YoY+0.8% QoQ
|
$-15.8M |
$605.8M
+1.4% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$695.3M
+2.6% YoY+2.6% QoQ
|
$-42.0M |
$737.3M
+0.1% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
-0.2%
-318.1% YoY-22.1% QoQ
|
-0.9% |
0.7%
+39.1% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.4% in tier |
| NIM |
3.7%
-2.7% YoY-0.1% QoQ
|
+0.3% |
3.4%
+8.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
89.0%
+8.8% YoY-0.4% QoQ
|
+14.6% |
74.3%
-3.6% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
1.2%
+12.4% YoY+19.5% QoQ
|
+0.3 |
0.9%
+3.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
84.8%
-6.9% YoY-1.8% QoQ
|
+2.3% |
82.6%
+1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$37,019
+4.4% YoY+3.5% QoQ
|
+$8K |
$28,873
+2.7% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 14.5% in tier |
| CD Concentration |
27.7%
+10.5% YoY-4.7% QoQ
|
+3.2% | 24.4% | 22.5% | 19.8% | 62% |
| Indirect Auto % |
3.7%
-33.3% YoY-8.1% QoQ
|
-10.1% | 13.8% | 16.8% | 7.8% | 42% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)