Verve, A Credit Union
Oshkosh, WI · Charter 66777 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 20 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.4BShares
$155.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions $1B-$10B in assets (rank 77 of 435).
- Widest gap: return on assets trails 79% of credit unions $1B-$10B in assets (rank 342 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.51%
Rank 342 of 435
Net Interest Margin
3.14%
Rank 291 of 435
Efficiency Ratio
77.26%
Rank 318 of 435
Equity / Assets
9.84%
Rank 325 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.55% | 0.81% | 1.14% | Beats 21% | 342 / 435 | |
| Return on Equity | 5.18% | 5.12% | 7.41% | 9.70% | Beats 26% | 322 / 435 | |
| Net Interest Margin | 3.14% | 3.01% | 3.39% | 3.75% | Beats 33% | 291 / 435 | |
| Efficiency Ratio | 77.26% | 65.25% | 71.39% | 77.86% | Beats 27% | 318 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.45% | 0.69% | 1.05% | Beats 83% | 77 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.84% | 9.81% | 10.84% | 12.63% | Beats 25% | 325 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.84% | 9.81% | 10.84% | 12.63% | Beats 25% | 325 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 84.89% | 78.33% | 88.38% | 95.61% | 40th pctl | 259 / 435 | |
| Loans / Assets | 73.95% | 67.69% | 74.58% | 80.80% | 47th pctl | 230 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |