Federal credit union · PALM BEACH GARD, Florida · NCUA charter #12458
Velocity Community
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $484.8M
- Total assets
- 25,159
- Members
- 6.1%
- Net-worth ratio
Velocity Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12458 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Velocity Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)52
- Asset quality (delinquency)91
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)100
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.07%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.07% | 30% |
| Delinquency Rate | 0.71% | 25% |
| Return on Assets | 1.11% | 15% |
| Member Growth | 1.37% | 15% |
| Loan-to-Share Ratio | 80.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Velocity Community
The five-factor composite scores Velocity Community at 79/100 (Very Good), reflecting a net worth ratio of 6.07% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in PALM BEACH GARD, Florida, reports 25,159 members, $484.8M in total assets, and $338.6M in outstanding loans as of Q4 2025 under charter #12458 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
0.71% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 80.83% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.11% on net income of $5.4M 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 1.37%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 Community financially healthy?
A 6.07% net worth ratio and a 0.71% delinquency rate feed into Velocity Community's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Velocity Community compare to other credit unions?
79/100 is Velocity Community's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Velocity Community 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 Community's net worth ratio of 6.07% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Velocity Community offer compared to banks?
Credit unions like Velocity Community 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 Community 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.