| Metric | Velocity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Share growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Loan growth (YoY) | -5.0% | +5.4% | -10.5 pts |
| ROA | 0.06% | 0.71% | -0.6 pts |
| ROE | 0.5% | 6.3% | -5.8 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.08B | $873.5M | $544.5M | $151.9M | $173K | 0.06% | 3.53% | 0.66% | 71,906 |
| Q4 2025 | $1.07B | $863.2M | $539.4M | $151.7M | $946K | 0.09% | 3.63% | 0.99% | 71,624 |
| Q3 2025 | $1.05B | $844.8M | $542.2M | $151.5M | $755K | 0.10% | 3.67% | 0.84% | 71,607 |
| Q2 2025 | $1.04B | $843.6M | $554.1M | $155.1M | $737K | 0.14% | 3.68% | 0.97% | 71,465 |
| Q1 2025 | $1.04B | $847.4M | $573.4M | $154.6M | $152K | 0.06% | 3.65% | 0.99% | 76,688 |
| Q4 2024 | $1.03B | $840.7M | $585.0M | $154.4M | $2.4M | 0.24% | 3.67% | 1.25% | 76,644 |
| Q3 2024 | $1.03B | $837.4M | $603.6M | $154.1M | $2.1M | 0.27% | 3.64% | 1.29% | 76,922 |
| Q2 2024 | $1.04B | $853.7M | $612.4M | $156.8M | $1.2M | 0.24% | 3.57% |
| Ratio | Velocity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.71% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 6.3% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.24% |
| 76,654 |
Loan mix (Q1 2026): real estate $141.9M · commercial $55K · consumer $392.1M · securities $282.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 73.0% | 87th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Velocity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Velocity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Velocity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Velocity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.