Credit Union Safety Analysis
Is Veridian Credit Union Safe? Waterloo, Iowa
Based on its Q2 2026 NCUA 5300 call report, Veridian Credit Union has a net worth ratio of 11.57%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.67%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Veridian Credit Union's net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.57%
- Delinquency ratio (60+ days) (Q2 2026): 0.67%
- Return on assets (Q2 2026): 1.69%
- Loan-to-share ratio (Q2 2026): 102.74%
Veridian Credit Union (NCUA charter 64418, established 1934) reported $9.15B in assets and 379,914 members for Q2 2026 from Waterloo, Iowa. It ranks 2 of 65 credit unions in Iowa by total assets. Total assets grew 10.3% from $8.29B on June 30, 2025. It has 20,598 more members than on June 30, 2025 (+5.7%). Its net worth ratio was up 0.22 percentage points from 11.35% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.15B of $7.95B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.67% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.47% for Q1 2026; 11.35% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.61% for Q1 2026; 0.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.56% for Q1 2026; 1.56% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 102.44% for Q1 2026; 106.28% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.15B
- Used vehicle loans: $2.94B
- Commercial loans: $816.1M
- New vehicle loans: $639.5M
- Unsecured credit card loans: $148.5M
- Other secured non-real estate loans and lines of credit: $111.5M
- Other unsecured loans and lines of credit: $111.3M
- Non-federally guaranteed student loans: $30.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.15B | 11.57% | 0.67% | 1.69% | 102.74% |
| March 31, 2026 | $8.90B | 11.47% | 0.61% | 1.56% | 102.44% |
| December 31, 2025 | $8.61B | 11.45% | 0.86% | 1.41% | 106.75% |
| September 30, 2025 | $8.37B | 11.55% | 0.89% | 1.20% | 107.36% |
| June 30, 2025 | $8.29B | 11.35% | 0.76% | 1.56% | 106.28% |
| March 31, 2025 | $8.18B | 11.12% | 0.68% | 1.45% | 103.87% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 64418) · FFIEC NIC profile (RSSD 416197)
Frequently asked questions
Is Veridian Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Veridian Credit Union's net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
Is Veridian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Veridian Credit Union is a federally insured credit union (NCUA charter 64418): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Veridian Credit Union's key safety ratios?
For Q2 2026, Veridian Credit Union reports net worth 11.57%, delinquency 0.67%, ROA 1.69%, loan-to-share 102.74%.
What happens to my money if Veridian Credit Union fails?
For Q2 2026, Veridian Credit Union held $7.74B in shares and deposits for 379,914 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.