VERITAS
Charter #21354 · Smyrna, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.64% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 5.09% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.16% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 66th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VERITAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.65M | 22th pct | 30th pct |
| Members | 4,911 | 48th pct | 31th pct |
| Net worth ratio | 7.64% | 2th pct | 10th pct |
| Return on average assets | 0.35% | 31th pct | 38th pct |
| Net interest margin | 5.09% | 96th pct | 93th pct |
| Cost of funds | 1.50% | 80th pct | 74th pct |
| Loan-to-share | 81.37% | 85th pct | 66th pct |
| Delinquency 60+ days | 0.62% | 50th pct | 39th pct |
| Net charge-off ratio | 1.16% | 91th pct | 93th pct |
| Loan growth YoY | 1.84% | 77th pct | 66th pct |
| Share growth YoY | 5.72% | 79th pct | 89th pct |
| Efficiency ratio | 80.01% | 50th pct | 34th pct |
structural peer set hash: ae3540b5bae6b2029e0fdfbae94853d8… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.