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Verve, A Credit Union

Oshkosh, WI · Charter 66777

NCUA · 20 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BShares
$155.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.51%, up 23 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.38% of loans (-7 bps YoY).
  • Capital: net worth / assets of 9.84%, up 62 bps from a year ago.
  • Funding: loans stand at 84.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+49 bps YoY

Efficiency Ratio (YTD, annualized)

77.26%-856 bps YoY

Net Worth / Assets

9.84%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.34%0.39%0.59%0.51%+23 bps
Return on Equity3.00%3.58%4.16%6.14%5.18%+218 bps
Net Interest Margin2.65%2.77%2.79%3.04%3.14%+49 bps
Efficiency Ratio85.81%83.65%81.87%75.85%77.26%-856 bps
Growth
Asset Growth (YoY)3.90%1.08%4.56%-0.10%-1.52%-542 bps
Loan Growth (YoY)-0.46%0.64%0.20%1.81%1.30%+176 bps
Share Growth (YoY)5.89%2.58%5.11%2.56%1.76%-413 bps
Asset Quality
Delinquent Loans / Loans0.45%0.37%0.35%0.36%0.38%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.22%9.42%9.40%9.68%9.84%+62 bps
Net Worth / Assets9.22%9.42%9.40%9.68%9.84%+62 bps
Liquidity & Funding
Loans / Shares85.27%86.23%84.77%84.16%84.89%-38 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps