Verve, A Credit Union
Total assets
$1.59B
▼ -0.1% YoY
Shares & deposits
$1.37B
▲ +2.6% YoY
Loans
$1.16B
▲ +1.8% YoY
Members
63,183
▲ +2.1% YoY
ROA (annualized)
0.59%
peers 0.71%
ROE (annualized)
6.14%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Verve, A Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.1% | -5.2 pts |
| Share growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Loan growth (YoY) | +1.8% | +5.4% | -3.6 pts |
| ROA | 0.59% | 0.71% | -0.1 pts |
| ROE | 6.1% | 6.3% | -0.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 3046, Oshkosh, WI, 54903
- NCUA charter #
- 66777
- RSSD ID
- 607799
- 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 | $1.59B | $1.37B | $1.16B | $153.5M | $2.4M | 0.59% | 3.04% | 0.36% | 63,183 |
| Q4 2025 | $1.61B | $1.36B | $1.16B | $151.2M | $6.3M | 0.39% | 2.79% | 0.35% | 62,795 |
| Q3 2025 | $1.59B | $1.33B | $1.15B | $149.5M | $4.0M | 0.34% | 2.77% | 0.37% | 62,598 |
| Q2 2025 | $1.60B | $1.35B | $1.15B | $147.7M | $2.2M | 0.28% | 2.65% | 0.45% | 62,302 |
| Q1 2025 | $1.59B | $1.34B | $1.14B | $146.3M | $754K | 0.19% | 2.56% | 0.25% | 61,896 |
| Q4 2024 | $1.54B | $1.30B | $1.15B | $145.5M | $810K | 0.05% | 2.44% | 0.40% | 61,782 |
| Q3 2024 | $1.57B | $1.30B | $1.14B | $145.5M | $222K | 0.02% | 2.34% | 0.39% | 61,952 |
| Q2 2024 | $1.54B | $1.28B | $1.16B | $145.2M | $-117K | -0.02% | 2.34% | 0.38% | 62,036 |
Loan mix (Q1 2026): real estate $388.3M · commercial $453.5M · consumer $208.6M · securities $256.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Verve, A Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.71% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.3% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.32% | 32th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 73.0% | 61th | |
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 | Verve, A 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 | Verve, A 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 | Verve, A 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 | Verve, A 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.
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