State credit union · Austin, Texas · NCUA charter #68359
Velocity
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $1.07B
- Total assets
- 71,624
- Members
- 13.9%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)80
- Earnings (ROA)73
- Member growth0
- Liquidity (loan-to-share)89
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.88% | 30% |
| Delinquency Rate | 0.99% | 25% |
| Return on Assets | 0.23% | 15% |
| Member Growth | -6.55% | 15% |
| Loan-to-Share Ratio | 62.48% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Velocity
Charter #68359, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Velocity, a state credit union in Austin, Texas with 71,624 members, $1.07B in total assets, and $539.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 74/100 (Very Good), helped by a net worth ratio of 13.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 62.48% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.99% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.23% on net income of $2.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.55%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.88% 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 13.88% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.