State credit union · Seattle, Washington · NCUA charter #68517
VERITY
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $791.2M
- Total assets
- 34,720
- Members
- 9.3%
- Net-worth ratio
VERITY scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $791.2M; members 34,720; net-worth ratio 9.31%; health rank #3,607 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
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VERITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VERITY sits in 70-74 with 317 others.
70 17th percentile higher than 17% 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
VERITY vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.85% vs peer 83.90% (+0.95 pp).
- Largest lag: Net Worth Ratio at 9.31% vs peer 11.18% (-1.87 pp).
Where VERITY sits in Washington
- Washington health ordinal: #70 of 75.
- Assets rank #21 of 75 inside Washington ($791.2M reported).
- Member book place in Washington: #22 of 75.
- One place up in Washington, Seattle Metropolitan (#69) ties at 70/100; one place down, CASCADE (#71) scores 69/100, 1 point lower.
VERITY Call Report trajectory
VERITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.6% from $791.2M (2025Q4) to $762.9M (2026Q1).
- Net-worth ratio shifted +0.40 pp (8.91% → 9.31%).
At 9.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
VERITY gives up 30 points in total. Member Growth costs the most, 14.9 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 18.9 pts
- Return on Assets 8.2 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 14.5 pts
VERITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.31% | -1.87 pp |
| Delinquency Rate | 1.15% | +0.28 pp |
| Return on Assets | 0.08% | -0.42 pp |
| Member Growth | -4.95% | - |
| Loan-to-Share Ratio | 84.85% | +0.95 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
VERITY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $762.9M | - |
| 2025Q4 | $791.2M | 34,720 |
| 2024Q4 | $776.3M | 36,530 |
| 2023Q4 | $833.4M | 37,837 |
Credit Union Details
- Charter Number
- 68517
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Seattle
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for VERITY, spread across 3 cities.
| Office | City |
|---|---|
| Member Services/Call Ctr. (Main Office) | Seattle, WA |
| Auburn Branch | Auburn, WA |
| Alderwood Branch | Lynnwood, WA |
| Beacon Hill Branch | Seattle, WA |
| Wallingford Branch | Seattle, WA |
| Northgate Branch | Seattle, WA |
| West Seattle Branch | Seattle, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Cross-state Call Report peers for VERITY
Using this data
- VERITY ranks #3,607 of 4,374 nationally on financial health and #70 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOLARITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOLARITY
Frequently Asked Questions
Is VERITY financially healthy?
On its 2025Q4 NCUA 5300 filing, VERITY scores 70/100 (Very Good), with a 9.31% net worth ratio and 1.15% of loans delinquent. It ranks #3,607 of 4,374 nationally on health and #70 of 75 in Washington.
How does VERITY compare to other credit unions?
VERITY scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.85% vs 83.90%). Its widest shortfall is net worth ratio (9.31% vs 11.18%).
How can I join VERITY?
Membership eligibility for VERITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VERITY directly for current membership requirements and application steps.
Is my money safe at VERITY?
VERITY is a state-chartered credit union; its shares are federally 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. VERITY's net worth ratio of 9.31% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.