PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Velocity Community

Palm Beach Gard, FL · Charter 12458

NCUA · 3 branches

Q1 2026

$498.4MAssets
$349.4MLoans
$429.9MShares
$61.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.20%, up 86 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.68% of loans (+33 bps YoY).
  • Capital: net worth / assets of 12.32%, up 33 bps from a year ago.
  • Funding: loans stand at 81.28% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+86 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+30 bps YoY

Efficiency Ratio (YTD, annualized)

70.72%-1,064 bps YoY

Net Worth / Assets

12.32%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.40%0.50%0.42%1.20%+86 bps
Return on Equity2.88%3.24%4.01%3.42%9.78%+690 bps
Net Interest Margin3.48%3.64%3.75%3.75%3.78%+30 bps
Efficiency Ratio81.36%81.08%79.54%81.69%70.72%-1,064 bps
Growth
Asset Growth (YoY)-2.02%-3.29%-2.30%0.81%2.40%+442 bps
Loan Growth (YoY)10.34%9.93%8.04%10.05%8.24%-211 bps
Share Growth (YoY)0.95%-0.61%0.73%0.36%1.71%+76 bps
Asset Quality
Delinquent Loans / Loans0.35%0.34%0.44%0.71%0.68%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.99%12.21%12.41%12.36%12.32%+33 bps
Net Worth / Assets11.99%12.21%12.41%12.36%12.32%+33 bps
Liquidity & Funding
Loans / Shares76.38%80.85%81.21%80.83%81.28%+490 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps