State credit union · Austin, Texas · NCUA charter #68359
VELOCITY
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $1.07B
- Total assets
- 71,624
- Members
- 14.1%
- Net-worth ratio
VELOCITY scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.07B; members 71,624; net-worth ratio 14.06%; health rank #3,327 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,327 of 4,374 health · 2025Q4VELOCITY · health 74/100 · $1.07B · 2025Q4
Call Report peers
VELOCITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VELOCITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VELOCITY sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
VELOCITY vs Over $500M peers
- Net Worth Ratio leads the peer set - 14.06% here, 11.18% peer average (+2.88 pp).
- Loan-to-Share Ratio trails the peer set - 62.48% here, 83.90% peer average (-21.42 pp).
Where VELOCITY sits in Texas
- In Texas, health place is #291 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #36 of 386.
- Member book place in Texas: #33 of 386.
- One place up in Texas, LEFORS (#290) ties at 74/100; one place down, Texas Health (#292) ties at 74/100.
How VELOCITY's 5300 filing moved
VELOCITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $1.07B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted -0.10 pp (14.16% → 14.06%).
14.06% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
VELOCITY gives up 26 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 10.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
VELOCITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.06% | +2.88 pp |
| Delinquency Rate | 0.99% | +0.12 pp |
| Return on Assets | 0.23% | -0.28 pp |
| Member Growth | -6.55% | - |
| Loan-to-Share Ratio | 62.48% | -21.42 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
VELOCITY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.08B | - |
| 2025Q4 | $1.07B | 71,624 |
| 2024Q4 | $1.03B | 76,644 |
| 2023Q4 | $1.04B | 81,298 |
Credit Union Details
- Charter Number
- 68359
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, VELOCITY runs 7 offices in 3 different cities.
| Office | City |
|---|---|
| Quarry Lake Business Center 1 (Main Office) | Austin, TX |
| Downtown Branch | Austin, TX |
| Southwest Austin Branch | Austin, TX |
| North Austin Branch | Austin, TX |
| South Austin Branch | Austin, TX |
| Cedar Park/Leander Branch | Cedar Park, TX |
| Round Rock Branch | Round Rock, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near VELOCITY
Similar total assets
Similar health score
Using this data
- VELOCITY ranks #3,327 of 4,374 nationally on financial health and #291 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RAIZ is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RAIZ
Frequently Asked Questions
Is VELOCITY financially healthy?
On its 2025Q4 NCUA 5300 filing, VELOCITY scores 74/100 (Very Good), with a 14.06% net worth ratio and 0.99% of loans delinquent. It ranks #3,327 of 4,374 nationally on health and #291 of 386 in Texas.
How does VELOCITY compare to other credit unions?
VELOCITY scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.06% vs 11.18%). Its widest shortfall is loan-to-share ratio (62.48% vs 83.90%).
How can I join VELOCITY?
Membership eligibility for VELOCITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VELOCITY directly for current membership requirements and application steps.
Is my money safe at VELOCITY?
VELOCITY is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VELOCITY's net worth ratio of 14.06% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.