VERITY
Charter #68517 · Seattle, WA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 34,442 sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.13% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 3.78% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.13% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.10% sits at the 84th 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 | VERITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $762.91M | 62th pct | 39th pct |
| Members | 34,442 | 29th pct | 23th pct |
| Net worth ratio | 9.31% | 24th pct | 34th pct |
| Return on average assets | 0.13% | 10th pct | 21th pct |
| Net interest margin | 3.78% | 73th pct | 75th pct |
| Cost of funds | 1.13% | 29th pct | 20th pct |
| Loan-to-share | 88.84% | 74th pct | 49th pct |
| Delinquency 60+ days | 1.10% | 82th pct | 84th pct |
| Net charge-off ratio | 0.57% | 64th pct | 62th pct |
| Loan growth YoY | 1.43% | 56th pct | 54th pct |
| Share growth YoY | -1.36% | 3th pct | 7th pct |
| Efficiency ratio | 78.54% | 52th pct | 38th pct |
structural peer set hash: 084e1c50ca12bdf88a8e835843a239aa… (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.