Velocity Credit Union Austin, Texas
Velocity Credit Union is a state-chartered credit union headquartered in Austin, TX, established in 1947 (NCUA charter 68359), and it is regulated and insured by the NCUA. At Q2 2026 it reported 69,112 members and total assets of $1.09B (up 4.8% from Q2 2025), the 36th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 13.92% at Q2 2026, in the well capitalized band.
Also written as Velocity CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68359
- Headquarters
- Austin, TX
- Established
- 1947
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +4.8%
- Members, Q2 2026
- 69,112
- Net worth ratio, Q2 2026
- 13.92%
- Latest call report
- Q2 2026, NCUA 5300 · Velocity Credit Union call report
- Asset rank in state
- 36th of 377 in Texas
- Routing number
- 314977133
- Branches
- 7
It has 2,353 fewer members than on June 30, 2025 (-3.3%). Its net worth ratio was down 0.89 percentage points from 14.81% on June 30, 2025. Used vehicle loans are its largest loan category, $214.7M of $552.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.92% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Texas
Frequently asked about Velocity Credit Union
How big is Velocity Credit Union?
At Q2 2026 it reported total assets of $1.09B and 69,112 members.
Where is Velocity Credit Union headquartered?
It is headquartered in Austin, TX, United States.
When was Velocity Credit Union founded?
It was established in 1947, per NCUA records.
Is Velocity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68359): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Velocity Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Velocity Credit Union well capitalized?
Its net worth ratio was 13.92% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Velocity Credit Union's delinquency ratio?
Its delinquency ratio was 0.57% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Velocity Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 63.32% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Austin, TX 78759
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 68359
- RSSD ID
- 560979
- Members
- 69,112
- Potential members
- 2,550,637
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.92% | 10.89% | 85th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.13% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 0.93% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.67% | 3.45% | 66th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 81.51% | 70.59% | 13th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.99% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.57% | 0.68% | 63rd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.67% | 5.12% | 23rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 63.32% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.09B total assets against $1.04B; $872.4M total shares and deposits against $843.6M; $552.3M total loans against $554.1M.
$152.2M net worth against $155.1M.
13.92% net worth ratio against 14.81%.
63.32% loan-to-share ratio against 65.68%.
0.57% delinquency ratio against 0.97%.
0.13% return on assets against 0.23%; 0.93% return on equity against 1.51%.
3.67% net interest margin against 3.71%.
69,112 members against 71,465.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.92% | 0.13% | 0.57% | 63.32% |
| March 31, 2026 | 14.06% | 0.06% | 0.66% | 62.33% |
| December 31, 2025 | 14.16% | 0.07% | 0.99% | 62.48% |
| September 30, 2025 | 14.40% | 0.01% | 0.84% | 64.18% |
| June 30, 2025 | 14.81% | 0.23% | 0.97% | 65.68% |
| March 31, 2025 | 14.75% | 0.06% | 0.99% | 67.67% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.