VERVE, A CREDIT UNION
Charter #66777 · Oshkosh, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.89% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.36% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 67th — a 32-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 | VERVE, A CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.59B | 35th pct | 67th pct |
| Members | 63,183 | 13th pct | 43th pct |
| Net worth ratio | 9.68% | 26th pct | 43th pct |
| Return on average assets | 0.59% | 39th pct | 48th pct |
| Net interest margin | 3.02% | 28th pct | 34th pct |
| Cost of funds | 2.89% | 94th pct | 93th pct |
| Loan-to-share | 84.16% | 43th pct | 43th pct |
| Delinquency 60+ days | 0.36% | 22th pct | 18th pct |
| Net charge-off ratio | 0.38% | 32th pct | 49th pct |
| Loan growth YoY | 0.69% | 36th pct | 52th pct |
| Share growth YoY | 3.16% | 33th pct | 56th pct |
| Efficiency ratio | 75.85% | 62th pct | 36th pct |
structural peer set hash: 946798c93bfd3515b9e7a1df3f989449… (reproducible)
Closest structural peers
This is the free public view
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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.