Weiss Ratings
Veridian Credit Union
Waterloo, IA
Waterloo, IA
Low
Veridian Credit Union
Industry Average
High
Asset Quality Index
7.30
0.00
10.00
Capitalization Index
7.80
0.00
10.00
Liquidity Index
1.30
0.20
9.60
Profitability Index
9.30
0.00
10.00
Stability Index
4.30
0.00
10.00
Asset Quality
Veridian Credit Union
Waterloo, IA
Waterloo, IA
Low
Veridian Credit Union
Industry Average
High
1-Year Asset Growth
8.01%
< 0.00%
> 10.00%
5-Year Asset Growth
12.44%
< 0.00%
> 20.00%
5-Year Charge-Offs to Average Loans
0.24%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
0.39%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
0.73%
0.00%
> 10.00%
Non-Performing Loans to Capital
6.60%
0.00%
> 20.00%
Non-Performing Loans to Loans
0.85%
0.00%
> 10.00%
Balance Sheet
Veridian Credit Union
Waterloo, IA
Waterloo, IA
Low
Veridian Credit Union
Industry Average
High
Total Assets
7.45B
< 243.22M
> 7.45B
Total Deposits
6.18B
< 202.88M
> 6.18B
Capital and Reserves
Veridian Credit Union
Waterloo, IA
Waterloo, IA
Low
Veridian Credit Union
Industry Average
High
Capital
749.43M
< 22.19M
> 749.43M
Leverage Ratio
10.65
0.06
> 30.00
Loan Loss Reserves to Loans
1.18%
0.00%
> 10.00%
Risk-Based Capital Ratio
10.01
< 0.00
> 30.00
Liquidity
Veridian Credit Union
Waterloo, IA
Waterloo, IA
Low
Veridian Credit Union
Industry Average
High
Hot Money Ratio
29.27%
0.00%
> 30.00%
Liquidity Ratio
10.67%
< 10.00%
> 60.00%
Profitability
Veridian Credit Union
Waterloo, IA
Waterloo, IA
Low
Veridian Credit Union
Industry Average
High
5-Year Return on Average Assets
1.47%
< 0.00%
> 10.00%
Net Income
84.98M
< 1.64M
> 84.98M
Net Interest Spread
2.73%
< 0.00%
> 10.00%
Operating Profit to Average Assets
1.42%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
58.31%
< 40.00%
> 170.00%
Return on Assets
1.20%
< 0.00%
> 10.00%
Return on Equity
12.02%
< 0.00%
> 20.00%
