Federal credit union · PALM BEACH GARD, Florida · NCUA charter #12458
Velocity Community
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $484.8M
- Total assets
- 25,159
- Members
- 12.3%
- Net-worth ratio
Velocity Community scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $484.8M; members 25,159; net-worth ratio 12.32%; health rank #501 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#501 of 4,374 health · 2025Q4Velocity Community · health 94/100 · $484.8M · 2025Q4
Call Report peers
Velocity Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Velocity Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Velocity Community sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Peer-gap read for Velocity Community
- Loan-to-Share Ratio leads the peer set - 80.83% here, 72.20% peer average (+8.63 pp).
Velocity Community in Florida
- Florida health ordinal: #22 of 109.
- By total assets, Velocity Community is #38 of 109 in Florida.
- Florida membership ordinal: #42 of 109.
- One place up in Florida, FLORIDA (#21) ties at 94/100; one place down, Ithink Financial (#23) ties at 94/100.
Velocity Community Call Report trajectory
Velocity Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $484.8M (2025Q4) to $498.4M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.36% → 12.32%).
At 12.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Velocity Community gives up 6 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.32% | +0.21 pp |
| Delinquency Rate | 0.71% | -0.18 pp |
| Return on Assets | 1.11% | +0.49 pp |
| Member Growth | 1.37% | - |
| Loan-to-Share Ratio | 80.83% | +8.63 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $498.4M | - |
| 2025Q4 | $484.8M | 25,159 |
| 2024Q4 | $480.9M | 24,818 |
| 2023Q4 | $488.0M | 24,415 |
Credit Union Details
- Charter Number
- 12458
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- PALM BEACH GARD
- Data Quarter
- 2025Q4
Branch Locations (3)
Velocity Community operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | PALM BEACH GARDENS, FL |
| Jupiter Branch | Jupiter, FL |
| Royal Palm Beach Office | Royal Palm Beach, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Velocity Community ranks #501 of 4,374 nationally on financial health and #22 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRAX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRAX
Frequently Asked Questions
Is Velocity Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Velocity Community scores 94/100 (Excellent), with a 12.32% net worth ratio and 0.71% of loans delinquent. It ranks #501 of 4,374 nationally on health and #22 of 109 in Florida.
How does Velocity Community compare to other credit unions?
Velocity Community scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.83% vs 72.20%).
How can I join Velocity Community?
Velocity Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Velocity Community directly for the exact boundaries and application steps.
Is my money safe at Velocity Community?
Velocity Community is a federal 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 Community's net worth ratio of 12.32% 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.