State credit union · Oshkosh, Wisconsin · NCUA charter #66777
Verve, a Credit Union
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.61B
- Total assets
- 62,795
- Members
- 7.4%
- Net-worth ratio
Verve, a Credit Union - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66777. See our deposit-insurance coverage note.
Verve, a Credit Union - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)79
- Asset quality (delinquency)100
- Earnings (ROA)45
- Member growth73
- Liquidity (loan-to-share)100
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.43% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 0.05% | 15% |
| Member Growth | 1.64% | 15% |
| Loan-to-Share Ratio | 84.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.61B | 62,795 |
| 2024Q4 | $1.54B | 61,782 |
| 2023Q4 | $1.48B | 62,538 |
Credit Union Details
- Charter Number
- 66777
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Oshkosh
- Data Quarter
- 2025Q4
What This Data Says About Verve, a Credit Union
62,795 members and $1.61B in total assets sit behind Verve, a Credit Union, a state credit union in Oshkosh, Wisconsin, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $1.16B in outstanding loans as of Q4 2025 and a net worth ratio of 7.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #66777 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.35% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 84.77% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.05% on net income of $810K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.64%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Verve, a Credit Union financially healthy?
Verve, a Credit Union scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.43% net worth ratio and a 0.35% delinquency rate.
How does Verve, a Credit Union compare to other credit unions?
On PlainCU's health composite, Verve, a Credit Union lands at 81/100, 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 Verve, a Credit Union?
Membership eligibility for Verve, a Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Verve, a Credit Union directly for current membership requirements and application steps.
Is my money safe at Verve, a Credit Union?
Federal credit unions like Verve, a Credit Union 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. Verve, a Credit Union's net worth ratio of 7.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Verve, a Credit Union offer compared to banks?
Credit unions like Verve, a Credit Union 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 Verve, a Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.