BlastPoint's Credit Union Scorecard
VERITY
Charter #68517 · WA
VERITY has 2 strengths but faces 9 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 68.4% in tier
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 1.1% in tier
- - Membership Headwinds: Bottom 7.7% in tier
- - Stagnation Risk: Bottom 15.6% in tier
- - Efficiency Drag: Bottom 21.1% in tier
- - ROA 0.95% below tier average
- - Efficiency ratio 14.83% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Member decline: -4.7% YoY
- - Loan Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,326
-4.7% YoY-1.1% QoQ
|
-16.8K |
52,114
-2.1% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$774.7M
+3.3% YoY+0.7% QoQ
|
$-84.3M |
$859.0M
+0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$585.5M
-8.0% YoY-0.4% QoQ
|
$-17.9M |
$603.4M
+1.0% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$677.7M
+4.5% YoY+1.0% QoQ
|
$-56.5M |
$734.2M
+0.9% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.2%
-158.0% YoY-39.6% QoQ
|
-1.0% |
0.7%
+27.6% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.7% in tier |
| NIM |
3.7%
-4.2% YoY+1.9% QoQ
|
+0.3% |
3.4%
+9.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
89.3%
+18.2% YoY-5.7% QoQ
|
+14.8% |
74.5%
-3.2% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 5.4% in tier |
| Delinquency Rate |
1.0%
-45.2% YoY-15.4% QoQ
|
+0.1 |
0.8%
+5.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
86.4%
-12.0% YoY-1.4% QoQ
|
+3.7% |
82.7%
+0.1% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$35,757
+3.2% YoY+1.4% QoQ
|
+$7K |
$28,651
+2.5% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
29.0%
+13.8% YoY+3.5% QoQ
|
+4.6% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
68% |
| Indirect Auto % |
4.0%
-34.2% YoY-8.5% QoQ
|
-10.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
43% |
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 (4)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)