Velocity

Austin, TX · 2 · Charter #68359 · www.velocitycu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
5th percentile
Members
71,624
20th percentile
Total loans
$539.4M
2th percentile
Total shares
$863.2M
3th percentile

Profitability

Return on assets
0.69%
27th percentile
Net interest margin
3.63%
78th percentile
Efficiency ratio
67.64%
3th percentile
Non-interest income ratio
24.42%
84th percentile

Capital & Risk

Net worth ratio
14.21%
90th percentile
Delinquency rate
0.99%
28th percentile
Net charge-off rate
1.85%
2th percentile
Loan-to-share
62.48%
8th percentile

Growth

Member growth YoY
-6.55%
5th percentile
Asset growth YoY
3.80%
31th percentile
Loan growth YoY
-7.81%
2th percentile
Share growth YoY
2.67%
25th percentile

Operations

Members / branch
10,232
75th percentile
Assets / member
$14,903
21th percentile
Field of membership penetration
2.90%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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