VELOCITY COMMUNITY
Charter #12458 · PALM BEACH GARD, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.22% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.31% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.72% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 64th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VELOCITY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $498.37M | 100th pct | 97th pct |
| Members | 25,149 | 88th pct | 64th pct |
| Net worth ratio | 12.32% | 61th pct | 62th pct |
| Return on average assets | 1.22% | 79th pct | 85th pct |
| Net interest margin | 3.83% | 62th pct | 39th pct |
| Cost of funds | 1.15% | 46th pct | 56th pct |
| Loan-to-share | 81.28% | 71th pct | 59th pct |
| Delinquency 60+ days | 0.68% | 56th pct | 62th pct |
| Net charge-off ratio | 0.31% | 44th pct | 23th pct |
| Loan growth YoY | 3.80% | 80th pct | 75th pct |
| Share growth YoY | 3.72% | 54th pct | 64th pct |
| Efficiency ratio | 70.72% | 26th pct | 8th pct |
structural peer set hash: dbcf2bad276dcc602d56b0b1b9a838bb… (reproducible)
Closest structural peers
This is the free public view
Claim VELOCITY COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.