Veridian Credit Union
Total assets
$8.90B
▲ +8.8% YoY
Shares & deposits
$7.50B
▲ +10.7% YoY
Loans
$7.68B
▲ +9.2% YoY
Members
374,001
▲ +5.5% YoY
ROA (annualized)
1.56%
peers 0.71%
ROE (annualized)
13.59%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Veridian Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.1% | +3.7 pts |
| Share growth (YoY) | +10.7% | +4.9% | +5.9 pts |
| Loan growth (YoY) | +9.2% | +5.4% | +3.8 pts |
| ROA | 1.56% | 0.71% | +0.8 pts |
| ROE | 13.6% | 6.3% | +7.3 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 6000, Waterloo, IA, 50704
- NCUA charter #
- 64418
- RSSD ID
- 416197
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.90B | $7.50B | $7.68B | $1.02B | $34.7M | 1.56% | 2.98% | 0.61% | 374,001 |
| Q4 2025 | $8.61B | $7.12B | $7.60B | $985.8M | $117.5M | 1.36% | 2.86% | 0.86% | 367,737 |
| Q3 2025 | $8.37B | $6.88B | $7.39B | $968.3M | $87.0M | 1.39% | 2.87% | 0.89% | 363,770 |
| Q2 2025 | $8.29B | $6.83B | $7.26B | $943.2M | $62.0M | 1.49% | 2.81% | 0.76% | 359,316 |
| Q1 2025 | $8.18B | $6.77B | $7.04B | $910.9M | $29.7M | 1.45% | 2.73% | 0.68% | 354,418 |
| Q4 2024 | $7.96B | $6.58B | $6.86B | $881.2M | $101.3M | 1.27% | 2.55% | 0.86% | 349,551 |
| Q3 2024 | $7.72B | $6.38B | $6.65B | $865.9M | $72.7M | 1.26% | 2.57% | 0.87% | 354,920 |
| Q2 2024 | $7.52B | $6.30B | $6.47B | $835.3M | $42.1M | 1.12% | 2.59% | 0.78% | 341,172 |
Loan mix (Q1 2026): real estate $3.03B · commercial $795.1M · consumer $3.71B · securities $387.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Veridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.71% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 6.3% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.32% | 27th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 73.0% | 6th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Veridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Veridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Veridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Veridian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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