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
NCUA 5300 Call Report Masthead
#3,607 of 4,374 health · 2025Q4VERITY · health 70/100 · $791.2M · 2025Q4
- BOOK 70/100
- CHARTER 9.3%
- NCUSIF 1.15%
- CAMELS 0.08%
- HEALTH $791.2M
- NW 34,720
- DELQ #3,607/4,374
- ROA UNIWYO
- ASSETS 68517
VERITY in the assets neighbourhood
VERITY's $791.2M assets sit next to UNIWYO ($791.3M) 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.
VERITY 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
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 - Share Insurance Coverage
Charter #68517's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VERITY Call Report trajectory
VERITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.6% from $791.2M (2025Q4) to $762.9M (2026Q1).
- Net-worth ratio shifted +0.40 pp (8.91% → 9.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
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).
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
Two NCUA Call Report peer sets for VERITY, both outside Washington 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 ($791.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 VERITY financially healthy?
VERITY scores 70/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,607 of 4,374; by total assets it ranks #559 of 4,374 nationally (same basis as /rankings/largest); and #21 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.31% net worth ratio and a 1.15% delinquency rate.
How does VERITY compare to other credit unions?
On PlainCU's health composite, VERITY lands at 70/100, 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 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?
Federal credit unions like VERITY 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. VERITY's net worth ratio of 9.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VERITY offer compared to banks?
Credit unions like VERITY 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 VERITY 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.