VERIDIAN
Charter #64418 · Waterloo, IA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 374,001 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 11.47% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.59% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.03% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.60% sits at the 79th percentile of structural peers — worth a closer look.
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 | VERIDIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.90B | 92th pct | 93th pct |
| Members | 374,001 | 89th pct | 84th pct |
| Net worth ratio | 11.47% | 64th pct | 75th pct |
| Return on average assets | 1.59% | 94th pct | 95th pct |
| Net interest margin | 3.03% | 28th pct | 18th pct |
| Cost of funds | 2.60% | 87th pct | 79th pct |
| Loan-to-share | 102.44% | 93th pct | 87th pct |
| Delinquency 60+ days | 0.61% | 47th pct | 38th pct |
| Net charge-off ratio | 0.37% | 30th pct | 23th pct |
| Loan growth YoY | 3.99% | 74th pct | 63th pct |
| Share growth YoY | 8.99% | 90th pct | 87th pct |
| Efficiency ratio | 56.56% | 7th pct | 7th pct |
structural peer set hash: f9811d25cf4b601ee95e5dbf089ec06f… (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.