Veridian
Waterloo, IA · Charter 64418 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
$9.2BAssets
$8.0BLoans
$7.7BShares
$1.1BNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions $1B-$10B in assets (rank 14 of 435).
- Widest gap: net interest margin trails 77% of credit unions $1B-$10B in assets (rank 336 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.60%
Rank 24 of 435
Net Interest Margin
2.98%
Rank 336 of 435
Efficiency Ratio
54.03%
Rank 19 of 435
Equity / Assets
11.57%
Rank 165 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.55% | 0.81% | 1.14% | Beats 94% | 24 / 435 | | |
| Return on Equity | 13.84% | 5.12% | 7.41% | 9.70% | Beats 97% | 14 / 435 | | |
| Net Interest Margin | 2.98% | 3.01% | 3.39% | 3.75% | Beats 23% | 336 / 435 | | |
| Efficiency Ratio | 54.03% | 65.25% | 71.39% | 77.86% | Beats 96% | 19 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.45% | 0.69% | 1.05% | Beats 52% | 210 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.57% | 9.81% | 10.84% | 12.63% | Beats 62% | 165 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.57% | 9.81% | 10.84% | 12.63% | Beats 62% | 165 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.74% | 78.33% | 88.38% | 95.61% | 91st pctl | 41 / 435 | | |
| Loans / Assets | 86.89% | 67.69% | 74.58% | 80.80% | 94th pctl | 28 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |