Smyrna, Tennessee · Peer group 4
Veritas Credit Union
Veritas Credit Union holds $58.6M in assets across 4,911 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1973. Charter number 21354, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $58.6M |
|---|---|
| Total loans | $43.9M |
| Total shares (deposits) | $54.0M |
| Net worth | $4.5M |
| Members | 4,911 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.3% | |
|---|---|---|
| Loans | 3.1% | around the 71st percentile of its peer group |
| Deposits | 7.3% | around the 85th percentile of its peer group |
| Members | -2.8% | around the 32nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 81.4% | around the 85th percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.6% | lower than 98% of its peer group |
| Return on assets | 0.35% | around the 32nd percentile of its peer group |
| Delinquency ratio | 0.62% | around the 50th percentile of its peer group |
| Cash / assets | 8.6% | around the 36th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Veritas Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Horizon Credit Union
Kingsport, TN
$59.7M · 4,080 members
- Greater Experience Credit Union
Johnson City, TN
$57.0M · 4,302 members
- Fedtrust Credit Union
MEMPHIS, TN
$56.4M · 2,897 members
- Resource Credit Union
Jackson, TN
$55.9M · 3,970 members
- Jack Daniel Employees Credit Union
LYNCHBURG, TN
$55.5M · 3,275 members
- Healthnet Credit Union
Cordova, TN
$55.2M · 4,461 members
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