Velocity Community Palm Beach Gard, FL · Charter 12458 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=22)
NCUA · 3 branches
Q1 2026
$498.4M Assets
$349.4M Loans
$429.9M Shares
$61.4M Net Worth
Executive Summary Strongest standing: return on assets outperforms 82% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 4 of 22). Widest gap: nonperforming loans / loans trails 77% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 18 of 22). Overall: at or above the peer median on 6 of 7 directional measures. Return on Assets
1.20%
Rank 4 of 22
Net Interest Margin
3.78%
Rank 11 of 22
Efficiency Ratio
70.71%
Rank 6 of 22
Equity / Assets
12.32%
Rank 6 of 22
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 1.20% 0.22% 0.43% 0.81% Beats 82% 4 / 22 Return on Equity 9.78% 2.10% 3.70% 6.79% Beats 82% 4 / 22 Net Interest Margin 3.78% 3.15% 3.78% 4.34% Beats 50% 11 / 22 Efficiency Ratio 70.71% 70.71% 81.34% 88.10% Beats 77% 6 / 22 Asset Quality Nonperforming Loans / Loans 0.68% 0.18% 0.47% 0.67% Beats 23% 18 / 22 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 12.32% 10.48% 10.99% 12.32% Beats 73% 6 / 22 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 12.32% 10.48% 10.99% 12.32% Beats 73% 6 / 22 Liquidity & Funding Loans / Deposits 81.28% 54.88% 80.06% 83.98% 55th pctl 10 / 22 Loans / Assets 70.12% 49.05% 68.37% 72.51% 55th pctl 10 / 22 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.41%, the median effective tax rate of the 2,754 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11