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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 844 / 1,683 | |
| Return on Equity | 5.85% | 2.67% | 5.89% | 8.74% | Beats 49% | 850 / 1,681 | |
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 753 / 1,683 | |
| Efficiency Ratio | 79.68% | 68.91% | 78.20% | 86.93% | Beats 45% | 921 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 744 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.56% | 10.44% | 12.89% | 16.53% | Beats 47% | 900 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.56% | 10.44% | 12.89% | 16.53% | Beats 47% | 900 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.21% | 52.61% | 69.38% | 83.50% | 78th pctl | 371 / 1,683 | |
| Loans / Assets | 73.18% | 44.71% | 59.18% | 70.72% | 80th pctl | 335 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |