BlastPoint's Credit Union Scorecard
VERITY
Charter #68517 · WA
VERITY has 2 strengths but faces 8 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 51.1% in tier
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 8.0% in tier
- - Stagnation Risk: Bottom 88.4% in tier
- - Membership Headwinds: Bottom 88.4% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 3.00% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Member decline: -4.3% YoY
- - Total Assets: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,442
-4.3% YoY-0.8% QoQ
|
-17.1K |
51,500
+0.7% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$762.9M
-1.4% YoY-3.6% QoQ
|
$-102.7M |
$865.6M
+0.9% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.7% in tier |
| Loans |
$593.9M
-1.3% YoY+0.7% QoQ
|
$-1.4M |
$595.3M
+1.6% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$668.4M
-0.9% YoY-3.9% QoQ
|
$-73.7M |
$742.2M
+0.6% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
0.1%
-111.6% YoY-168.8% QoQ
|
-0.6% |
0.8%
+45.0% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.8% in tier |
| NIM |
3.9%
+11.2% YoY+4.2% QoQ
|
+0.4% |
3.5%
+6.1% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
78.5%
-27.1% YoY-11.7% QoQ
|
+3.0% |
75.5%
-3.4% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
1.1%
-3.6% YoY-4.5% QoQ
|
+0.4 |
0.7%
-0.1% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
88.8%
-0.5% YoY+4.7% QoQ
|
+8.2% |
80.6%
+0.7% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$36,651
+3.4% YoY-1.0% QoQ
|
+$8K |
$28,908
+0.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 13.7% in tier |
| CD Concentration |
26.9%
+1.0% YoY-2.8% QoQ
|
+2.6% | 24.3% | 22.5% | 19.8% | 61% |
| Indirect Auto % |
4.1%
-15.4% YoY+12.2% QoQ
|
-9.7% | 13.8% | 16.1% | 7.7% | 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 (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)