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Velocity Community

Palm Beach Gard, FL · Charter 68749

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

47

Q2 2026Q2 2026peer median (50)

Asset Quality

56

Q2 2026Q2 2026peer median (50)

Profitability

51

Q2 2026Q2 2026peer median (50)

Liquidity

30

Q2 2026Q2 2026peer median

Efficiency

45

Q2 2026Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Velocity Community

Palm Beach Gard, FL · Charter 68749

Q2 2026

$491.7MAssets
$359.8MLoans
$422.2MShares
$61.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.74%; NIM at 3.91%.
  • Asset quality: problem loans at 0.55% of loans.
  • Capital: net worth / assets of 12.56%.
  • Funding: loans stand at 85.21% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.74%
n/a

Net Interest Margin (YTD, annualized)

3.91%
n/a

Efficiency Ratio (YTD, annualized)

79.68%
n/a

Net Worth / Assets

12.56%
n/a

Year to date, annualized, through each quarter.

MetricQ2 2026YoY ΔTrend
Earnings
Return on Assets0.74%n/an/a
Return on Equity5.86%n/an/a
Net Interest Margin3.91%n/an/a
Efficiency Ratio79.68%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans0.55%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans0.00%n/an/a
Capital
Risk-Based Capital12.56%n/an/a
Net Worth / Assets12.56%n/an/a
Liquidity & Funding
Loans / Shares85.21%n/an/a
Liquid Assets / Assets0.00%n/an/a

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Velocity Community

Palm Beach Gard, FL · Charter 68749 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

Q2 2026

$491.7MAssets
$359.8MLoans
$422.2MShares
$61.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 56% of credit unions under $1B in assets (rank 744 of 1682).
  • Widest gap: efficiency ratio trails 55% of credit unions under $1B in assets (rank 921 of 1682).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.74%

Rank 844 of 1,683

Net Interest Margin

3.91%

Rank 753 of 1,683

Efficiency Ratio

79.68%

Rank 921 of 1,682

Equity / Assets

12.56%

Rank 900 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.74%0.35%0.74%1.18%Beats 50%844 / 1,683n/a
Return on Equity5.85%2.67%5.89%8.74%Beats 49%850 / 1,681n/a
Net Interest Margin3.91%3.31%3.82%4.32%Beats 55%753 / 1,683n/a
Efficiency Ratio79.68%68.91%78.20%86.93%Beats 45%921 / 1,682n/a
Asset Quality
Nonperforming Loans / Loans0.55%0.26%0.65%1.29%Beats 56%744 / 1,682n/a
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.56%10.44%12.89%16.53%Beats 47%900 / 1,683n/a
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.56%10.44%12.89%16.53%Beats 47%900 / 1,683n/a
Liquidity & Funding
Loans / Deposits85.21%52.61%69.38%83.50%78th pctl371 / 1,683n/a
Loans / Assets73.18%44.71%59.18%70.72%80th pctl335 / 1,683n/a
Brokered Deposits / Depositsn/aNot reported for this institution