State credit union · Oshkosh, Wisconsin · NCUA charter #66777
Verve, a Credit Union
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.61B
- Total assets
- 62,795
- Members
- 9.7%
- Net-worth ratio
Verve, a Credit Union scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.61B; members 62,795; net-worth ratio 9.68%; health rank #1,700 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,700 of 4,374 health · 2025Q4Verve, a Credit Union · health 87/100 · $1.61B · 2025Q4
Call Report peers
Verve, a Credit Union in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Verve, a Credit Union vs every NCUA-scored credit union
Verve, a Credit Union sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Verve, a Credit Union: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 84.77% here, 83.90% peer average (+0.87 pp).
- Largest lag: Net Worth Ratio at 9.68% vs peer 11.18% (-1.50 pp).
Verve, a Credit Union: in-state Call Report ranks
- In Wisconsin, health place is #65 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #13 of 100.
- Wisconsin membership ordinal: #14 of 100.
- One place up in Wisconsin, KOHLER (#64) ties at 87/100; one place down, Dairyland Power (#66) scores 86/100, 1 point lower.
How Verve, a Credit Union's 5300 filing moved
Verve, a Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $1.61B (2025Q4) to $1.59B (2026Q1).
- Net-worth ratio shifted +0.28 pp (9.40% → 9.68%).
At 9.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Verve, a Credit Union gives up 13 points in total. Return on Assets costs the most, 8.2 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 6.8 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 15.0 pts
Verve, a Credit Union vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.68% | -1.50 pp |
| Delinquency Rate | 0.35% | -0.52 pp |
| Return on Assets | 0.05% | -0.46 pp |
| Member Growth | 1.64% | - |
| Loan-to-Share Ratio | 84.77% | +0.87 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.59B | - |
| 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
Branch Locations (20)
Per its most recent NCUA branch filing, Verve, a Credit Union runs 20 offices in 10 different cities across 2 states.
| Office | City |
|---|---|
| Universal (Main Office) | Oshkosh, WI |
| Oneida | Appleton, WI |
| Brillion | Brillion, WI |
| Roosevelt | Chicago, IL |
| Bridgeport | Chicago, IL |
| Chinatown | Chicago, IL |
| Fulton | Chicago, IL |
| West Towne | Chicago, IL |
| Fond du Lac - West | Fond du Lac, WI |
| Fond du Lac - East | Fond du Lac, WI |
| Holmen | Holmen, WI |
| LaCrosse - Main | La Crosse, WI |
| LaCrosse - South | La Crosse, WI |
| Bell St | Neenah, WI |
| Green Bay Rd | Neenah, WI |
| Onalaska | Onalaska, WI |
| Witzel Ave | Oshkosh, WI |
| Murdock | Oshkosh, WI |
| Washburn | Oshkosh, WI |
| Sherwood | Sherwood, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Cross-state Call Report peers for Verve, a Credit Union
Similar total assets
Using this data
- Verve, a Credit Union ranks #1,700 of 4,374 nationally on financial health and #65 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MARINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MARINE
Frequently Asked Questions
Is Verve, a Credit Union financially healthy?
Verve, a Credit Union has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,700 of 4,374 nationally on health and #65 of 100 in Wisconsin. Its net worth ratio is 9.68% and its delinquency rate 0.35%.
How does Verve, a Credit Union compare to other credit unions?
Verve, a Credit Union scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.77% vs 83.90%). Its widest shortfall is net worth ratio (9.68% vs 11.18%).
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?
Verve, a Credit Union 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. Verve, a Credit Union's net worth ratio of 9.68% 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.