Credit Union Safety Analysis
Is Verve a Credit Union Safe? Oshkosh, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Verve a Credit Union has a net worth ratio of 9.84%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.38%, 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, Verve a Credit Union's net worth ratio is 9.84%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.84%
- Delinquency ratio (60+ days) (Q2 2026): 0.38%
- Return on assets (Q2 2026): 0.42%
- Loan-to-share ratio (Q2 2026): 84.89%
Verve a Credit Union (NCUA charter 66777, established 1938) reported $1.58B in assets and 63,472 members for Q2 2026 from Oshkosh, Wisconsin. It ranks 13 of 98 credit unions in Wisconsin by total assets. Total assets fell 1.5% from $1.60B on June 30, 2025. It has 1,170 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 0.62 percentage points from 9.22% on June 30, 2025. Commercial loans are its largest loan category, $462.3M of $1.17B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.38% 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: 9.68% for Q1 2026; 9.22% 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: 0.36% for Q1 2026; 0.45% 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: 0.59% for Q1 2026; 0.37% 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: 84.16% for Q1 2026; 85.27% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $462.3M
- 1- to 4-family residential and other consumer real estate loans: $395.7M
- Used vehicle loans: $129.3M
- Other secured non-real estate loans and lines of credit: $103.1M
- Unsecured credit card loans: $26.4M
- Other unsecured loans and lines of credit: $25.3M
- New vehicle loans: $24.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.58B | 9.84% | 0.38% | 0.42% | 84.89% |
| March 31, 2026 | $1.59B | 9.68% | 0.36% | 0.59% | 84.16% |
| December 31, 2025 | $1.61B | 9.40% | 0.35% | 0.57% | 84.77% |
| September 30, 2025 | $1.59B | 9.42% | 0.37% | 0.45% | 86.23% |
| June 30, 2025 | $1.60B | 9.22% | 0.45% | 0.37% | 85.27% |
| March 31, 2025 | $1.59B | 9.21% | 0.25% | 0.19% | 84.78% |
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Free to use. It shows Verve a Credit Union’s latest filed figures and updates each quarter.
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 66777) · FFIEC NIC profile (RSSD 607799)
Frequently asked questions
Is Verve a Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Verve a Credit Union's net worth ratio is 9.84%, above the 7% NCUA threshold for well capitalized.
Is Verve a Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Verve a Credit Union is a federally insured credit union (NCUA charter 66777): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Verve a Credit Union's key safety ratios?
For Q2 2026, Verve a Credit Union reports net worth 9.84%, delinquency 0.38%, ROA 0.42%, loan-to-share 84.89%.
What happens to my money if Verve a Credit Union fails?
For Q2 2026, Verve a Credit Union held $1.37B in shares and deposits for 63,472 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.