TellerScore

Headquartered in Seattle, Washington, Verity Credit Union is a federally insured state-chartered credit union with $786.5M in total assets and $695.8M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1933.

Verity Credit Union has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 72nd. Funding & liquidity contributes the most (74/100, 86% loans-to-deposits, 12% uninsured); earnings contributes the least (27/100, 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.17%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.91%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity74/100
Loans ÷ shares: 86.3% · 12.0% uninsured
Problem-loan coverage68/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (48 → 45), mostly because the loan quality component weakened by 26 points.

TellerScore
454952Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202450
Q4 202452
Q1 202546
Q2 202548
Q3 202551
Q4 202549
Q1 202652
Q2 202645
Net worth ratio
7.00%8.65%10.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.06%
Q3 202410.31%
Q4 20249.24%
Q1 20259.03%
Q2 20259.16%
Q3 20259.11%
Q4 20258.91%
Q1 20269.31%
Q2 20269.17%
Delinquent loans (60+ days)
0.97%1.44%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.83%
Q3 20241.76%
Q4 20241.03%
Q1 20251.14%
Q2 20251.14%
Q3 20250.97%
Q4 20251.15%
Q1 20261.10%
Q2 20261.91%
Return on assets
-1.12%-0.35%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.42%
Q4 20240.08%
Q1 2025-1.12%
Q2 2025-0.40%
Q3 2025-0.24%
Q4 2025-0.19%
Q1 20260.13%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$786.5M9.17%1.91%0.17%86.3%
Q1 202652$762.9M9.31%1.10%0.13%88.8%
Q4 202549$791.2M8.91%1.15%-0.19%84.8%
Q3 202551$774.7M9.11%0.97%-0.24%86.4%
Q2 202548$769.3M9.16%1.14%-0.40%87.6%
Q1 202546$773.5M9.03%1.14%-1.12%89.3%
Q4 202452$776.3M9.24%1.03%0.08%91.1%
Q3 202450$750.3M10.31%1.76%0.42%98.2%
Q2 202448$761.0M10.06%1.83%0.40%101.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.17%
15th
Problem loans1.91%
7th
Net charge-offs0.58%
28th
Return on assets0.17%
10th
Loans to deposits86.3%
25th
Uninsured deposits12.0%
11th
Loan-loss reserves0.00%
50th
Texas ratio16.1%
4th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Solarity Credit UnionCredit union Yakima, WA73 out of 100, Strong$803.5M17.6%0.44%vs
Tapco Credit UnionCredit union Fircrest, WA78 out of 100, Strong$735.7M10.2%0.34%vs
America'S Credit Union, aCredit union DuPont, WA68 out of 100, Moderate$709.5M11.0%0.32%vs
O Bee Credit UnionCredit union Lacey, WA53 out of 100, Below average$676.6M8.7%0.96%vs
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs

Deposit insurance

Is my money safe at Verity Credit Union?

Yes. Verity Credit Union is a federally insured credit union (NCUA charter #68517). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.0% of shares and deposits ($83.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.17%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Verity Credit Union lists 7 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Verity Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68517
RSSD ID
352183
Primary regulator
State + NCUA
Established
1933
Headquarters
11027 Meridian Ave N, Seattle, WA 98133
Employees
128

Quick answers

Verity Credit Union: common questions

Is Verity Credit Union NCUA insured?

Yes. Verity Credit Union is a federally insured credit union (NCUA charter #68517). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Verity Credit Union's TellerScore?

45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Verity Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Seattle

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs