VELOCITY
Charter #68359 · Austin, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.06% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.06% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.99% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 83.26% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 62nd — a 58-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.08B | 4th pct | 62th pct |
| Members | 71,906 | 20th pct | 67th pct |
| Net worth ratio | 14.06% | 89th pct | 80th pct |
| Return on average assets | 0.06% | 5th pct | 8th pct |
| Net interest margin | 3.54% | 62th pct | 43th pct |
| Cost of funds | 1.30% | 29th pct | 48th pct |
| Loan-to-share | 62.33% | 9th pct | 38th pct |
| Delinquency 60+ days | 0.66% | 52th pct | 59th pct |
| Net charge-off ratio | 1.99% | 98th pct | 98th pct |
| Loan growth YoY | 0.42% | 33th pct | 51th pct |
| Share growth YoY | 3.40% | 36th pct | 48th pct |
| Efficiency ratio | 83.26% | 87th pct | 89th pct |
structural peer set hash: 31cf4cee93dae8380044270123266c9a… (reproducible)
Closest structural peers
This is the free public view
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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.