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
- HEALTH 74/100
- NW 14.1%
- DELQ 0.99%
- ROA 0.23%
- ASSETS $1.07B
- MEM 71,624
- RANK #3,327/4,374
- PHOTO Community 1st
- BOOK 68359
Call Report peers
VELOCITY in the assets neighbourhood
VELOCITY's $1.07B assets sit next to Community 1st ($1.07B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #68359's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How VELOCITY's 5300 filing moved
VELOCITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $1.07B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted -0.10 pp (14.16% → 14.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
VELOCITY's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.07B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VELOCITY financially healthy?
VELOCITY has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,327 of 4,374; by total assets it ranks #446 of 4,374 nationally (same basis as /rankings/largest); and #36 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.06% and delinquency rate of 0.99%.
How does VELOCITY compare to other credit unions?
Five weighted metrics from NCUA filings produce VELOCITY's 74/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like VELOCITY are 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."
What rates does VELOCITY offer compared to banks?
Credit unions like VELOCITY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact VELOCITY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.