TellerScore

Headquartered in Oshkosh, Wisconsin, Verve, a Credit Union is a federally insured state-chartered credit union with $1.6B in total assets and $1.4B in member shares and deposits as of Q2 2026. It operates 8 offices across 2 states. Its charter dates back to 1938.

Verve, a Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 74th. Problem-loan coverage contributes the most (94/100, 2.9%); earnings contributes the least (40/100, 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.84%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity75/100
Loans ÷ shares: 84.9% · 12.6% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.88%

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 rose 4 points (61 → 65), mostly because the earnings component improved by 9 points.

TellerScore
596366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202460
Q1 202562
Q2 202561
Q3 202563
Q4 202563
Q1 202666
Q2 202665
Net worth ratio
7.00%8.42%9.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.41%
Q3 20249.26%
Q4 20249.46%
Q1 20259.21%
Q2 20259.22%
Q3 20259.42%
Q4 20259.40%
Q1 20269.68%
Q2 20269.84%
Delinquent loans (60+ days)
0.25%0.35%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.39%
Q4 20240.40%
Q1 20250.25%
Q2 20250.45%
Q3 20250.37%
Q4 20250.35%
Q1 20260.36%
Q2 20260.38%
Return on assets
-0.02%0.29%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.02%
Q3 20240.02%
Q4 20240.05%
Q1 20250.19%
Q2 20250.28%
Q3 20250.34%
Q4 20250.39%
Q1 20260.59%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.6B9.84%0.38%0.51%84.9%
Q1 202666$1.6B9.68%0.36%0.59%84.2%
Q4 202563$1.6B9.40%0.35%0.39%84.8%
Q3 202563$1.6B9.42%0.37%0.34%86.2%
Q2 202561$1.6B9.22%0.45%0.28%85.3%
Q1 202562$1.6B9.21%0.25%0.19%84.8%
Q4 202460$1.5B9.46%0.40%0.05%88.9%
Q3 202459$1.6B9.26%0.39%0.02%87.9%
Q2 202459$1.5B9.41%0.38%-0.02%90.7%

454 peers · $1 billion – $10 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 ratio9.84%
25th
Problem loans0.38%
83rd
Net charge-offs0.42%
63rd
Return on assets0.51%
22nd
Loans to deposits84.9%
58th
Uninsured deposits12.6%
23rd
Loan-loss reserves0.00%
50th
Texas ratio2.9%
76th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Marine Credit UnionCredit union La Crosse, WI53 out of 100, Below average$1.1B12.2%2.26%vs
Westby Co-Op Credit UnionCredit union Westby, WI77 out of 100, Strong$1.0B15.6%1.44%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Capital Credit UnionCredit union Green Bay, WI69 out of 100, Moderate$2.8B12.3%0.90%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs
Fox Communities Credit UnionCredit union Appleton, WI73 out of 100, Strong$3.4B10.9%0.29%vs

Deposit insurance

Is my money safe at Verve, a Credit Union?

Yes. Verve, a Credit Union is a federally insured credit union (NCUA charter #66777). 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 12.6% of shares and deposits ($173.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Verve, a Credit Union lists 8 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Verve, a Credit Union reported 965 home-loan applications under HMDA (LEI 549300P6ZERWX5BPWX45): 744 originated ($175,350,000 total), 88 denied, and 106 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Verve, a Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66777
RSSD ID
607799
Primary regulator
State + NCUA
Established
1938
Headquarters
PO Box 3046, Oshkosh, WI 54903
Employees
272

Quick answers

Verve, a Credit Union: common questions

Is Verve, a Credit Union NCUA insured?

Yes. Verve, a Credit Union is a federally insured credit union (NCUA charter #66777). 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 Verve, a Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Verve, a Credit Union have?

8 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Oshkosh

InstitutionScoreAssetsCapitalProblem loansCompare
Thrivent Trust CompanyBank Appleton, WI93 out of 100, Very strong$15.5M82.7%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Fond Du Lac Credit UnionCredit union Fond du Lac, WI87 out of 100, Very strong$84.9M13.6%0.35%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
West Pointe BankBank Oshkosh, WI84 out of 100, Strong$368.8M19.4%0.91%vs