Velocity
Austin, TX · Charter 68359 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$1.1BAssets
$552.3MLoans
$872.4MShares
$152.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions $1B-$10B in assets (rank 53 of 435).
- Widest gap: return on equity trails 97% of credit unions $1B-$10B in assets (rank 420 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.10%
Rank 419 of 435
Net Interest Margin
3.58%
Rank 162 of 435
Efficiency Ratio
82.38%
Rank 388 of 435
Equity / Assets
13.97%
Rank 53 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.10% | 0.55% | 0.81% | 1.14% | Beats 4% | 419 / 435 | |
| Return on Equity | 0.69% | 5.12% | 7.41% | 9.70% | Beats 3% | 420 / 435 | |
| Net Interest Margin | 3.58% | 3.01% | 3.39% | 3.75% | Beats 63% | 162 / 435 | |
| Efficiency Ratio | 82.38% | 65.25% | 71.39% | 77.86% | Beats 11% | 388 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 64% | 159 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 9.81% | 10.84% | 12.63% | Beats 88% | 53 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.97% | 9.81% | 10.84% | 12.63% | Beats 88% | 53 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 63.32% | 78.33% | 88.38% | 95.61% | 9th pctl | 395 / 435 | |
| Loans / Assets | 50.68% | 67.69% | 74.58% | 80.80% | 6th pctl | 407 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |