Veritas
Smyrna, TN · Charter 21354 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$57.1MAssets
$43.9MLoans
$52.2MShares
$4.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 113 of 1683).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets (rank 1621 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.48%
Rank 1,161 of 1,683
Net Interest Margin
5.18%
Rank 113 of 1,683
Efficiency Ratio
76.74%
Rank 762 of 1,682
Equity / Assets
7.99%
Rank 1,621 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,161 / 1,683 | | |
| Return on Equity | 5.95% | 2.67% | 5.89% | 8.74% | Beats 50% | 833 / 1,681 | | |
| Net Interest Margin | 5.18% | 3.31% | 3.82% | 4.32% | Beats 93% | 113 / 1,683 | | |
| Efficiency Ratio | 76.74% | 68.91% | 78.20% | 86.93% | Beats 55% | 762 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 52% | 800 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.99% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,621 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.99% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,621 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.02% | 52.61% | 69.38% | 83.50% | 76th pctl | 404 / 1,683 | | |
| Loans / Assets | 76.81% | 44.71% | 59.18% | 70.72% | 87th pctl | 222 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |