State credit union · Waterloo, Iowa · NCUA charter #64418
VERIDIAN
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $8.61B
- Total assets
- 367,737
- Members
- 11.5%
- Net-worth ratio
VERIDIAN scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.61B; members 367,737; net-worth ratio 11.47%; health rank #1,283 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,283 of 4,374 health · 2025Q4VERIDIAN · health 89/100 · $8.61B · 2025Q4
- NCUSIF 89/100
- CAMELS 11.5%
- HEALTH 0.86%
- NW 1.18%
- DELQ $8.61B
- ROA 367,737
- ASSETS #1,283/4,374
- MEM COMMUNITYAMERICA
- RANK 64418
Call Report peers
VERIDIAN in the assets neighbourhood
VERIDIAN's $8.61B assets sit next to COMMUNITYAMERICA ($8.67B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VERIDIAN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
VERIDIAN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64418, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
VERIDIAN vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 106.75% here, 83.90% peer average (+22.85 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Iowa standing for VERIDIAN
- Health composite ranks #23 of 66 among scored Iowa credit unions.
- By total assets, VERIDIAN is #2 of 66 in Iowa.
- Membership ranks #2 of 66 among Iowa CUs with a reported count (367,737 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How VERIDIAN's 5300 filing moved
VERIDIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $8.61B (2025Q4) to $8.90B (2026Q1).
- Net-worth ratio shifted +0.02 pp (11.45% → 11.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 7.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.47% | +0.29 pp |
| Delinquency Rate | 0.86% | -0.02 pp |
| Return on Assets | 1.18% | +0.67 pp |
| Member Growth | 5.20% | - |
| Loan-to-Share Ratio | 106.75% | +22.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - VERIDIAN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.90B | - |
| 2025Q4 | $8.61B | 367,737 |
| 2024Q4 | $7.96B | 349,551 |
| 2023Q4 | $7.45B | 332,784 |
Credit Union Details
- Charter Number
- 64418
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Iowa
- City
- Waterloo
- Data Quarter
- 2025Q4
Branch Locations (31)
VERIDIAN operates 31 offices across 17 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ansborough Office (Main Office) | Waterloo, IA |
| Ankeny Main | Ankeny, IA |
| Georgetown | Ankeny, IA |
| Prairie Trail | Ankeny, IA |
| College Square Hy-Vee | Cedar Falls, IA |
| Cedar Heights | Cedar Falls, IA |
| Thunder Ridge | Cedar Falls, IA |
| East Viking | Cedar Falls, IA |
| Westdale | Cedar Rapids, IA |
| Blairs Ferry | Cedar Rapids, IA |
| Coralville | Coralville, IA |
| West Broadway - Council Bluffs | Council Bluffs, IA |
| Park Avenue Hy-Vee | Des Moines, IA |
| Ingersoll | Des Moines, IA |
| Shady Oak | Eden Prairie, MN |
| Independence | Independence, IA |
| Johnston | Johnston, IA |
| Oelwein | Oelwein, IA |
| West Maple-Omaha | Omaha, NE |
| South 144th St | OMAHA, NE |
| Legacy | Omaha, NE |
| Dodge-Omaha | Omaha, NE |
| Gretna | Omaha, NE |
| Papillion | Papillion, NE |
| Crossroads Hy-Vee | Waterloo, IA |
| Lafayette | Waterloo, IA |
| Kimball | Waterloo, IA |
| Waukee | Waukee, IA |
| Waverly | Waverly, IA |
| West Lakes | West Des Moines, IA |
| EP True | West Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for VERIDIAN, both outside Iowa so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.61B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- VERIDIAN ranks #1,283 of 4,374 nationally on financial health and #23 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GREENSTATE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GREENSTATE
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VERIDIAN financially healthy?
A 11.47% net worth ratio and a 0.86% delinquency rate feed into VERIDIAN's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,283 of 4,374; by total assets it ranks #43 of 4,374 nationally (same basis as /rankings/largest); and #2 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does VERIDIAN compare to other credit unions?
On PlainCU's health composite, VERIDIAN lands at 89/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join VERIDIAN?
Membership eligibility for VERIDIAN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VERIDIAN directly for current membership requirements and application steps.
Is my money safe at VERIDIAN?
Federal credit unions like VERIDIAN are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VERIDIAN's net worth ratio of 11.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VERIDIAN offer compared to banks?
Credit unions like VERIDIAN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact VERIDIAN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.