PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Velocity

Austin, TX · Charter 68359

NCUA · 7 branches

Q2 2026

$1.1BAssets
$552.3MLoans
$872.4MShares
$152.2MNet 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 0.10%, down 5 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.57% of loans (-40 bps YoY).
  • Capital: net worth / assets of 13.97%, down 95 bps from a year ago.
  • Funding: loans stand at 63.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-10 bps YoY

Efficiency Ratio (YTD, annualized)

82.38%+124 bps YoY

Net Worth / Assets

13.97%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.10%0.09%0.06%0.10%-5 bps
Return on Equity0.95%0.66%0.62%0.46%0.69%-26 bps
Net Interest Margin3.68%3.67%3.63%3.53%3.58%-10 bps
Efficiency Ratio81.14%81.84%81.90%83.26%82.38%+124 bps
Growth
Asset Growth (YoY)0.48%1.75%3.80%3.43%4.75%+427 bps
Loan Growth (YoY)-9.52%-10.17%-7.81%-5.05%-0.32%+921 bps
Share Growth (YoY)-1.18%0.89%2.67%3.08%3.41%+459 bps
Asset Quality
Delinquent Loans / Loans0.97%0.84%0.99%0.66%0.57%-40 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 Capital14.91%14.45%14.21%14.11%13.97%-95 bps
Net Worth / Assets14.91%14.45%14.21%14.11%13.97%-95 bps
Liquidity & Funding
Loans / Shares65.68%64.18%62.48%62.33%63.32%-236 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps