Credit Union Safety Analysis
Is Velocity Credit Union Safe? Austin, Texas
Based on its Q2 2026 NCUA 5300 call report, Velocity Credit Union has a net worth ratio of 13.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Velocity Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Velocity Credit Union's net worth ratio is 13.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.92%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 0.13%
- Loan-to-share ratio (Q2 2026): 63.32%
Velocity Credit Union (NCUA charter 68359, established 1947) reported $1.09B in assets and 69,112 members for Q2 2026 from Austin, Texas. It ranks 36 of 377 credit unions in Texas by total assets. Total assets grew 4.8% from $1.04B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 14.06% for Q1 2026; 14.81% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.66% for Q1 2026; 0.97% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.06% for Q1 2026; 0.23% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 62.33% for Q1 2026; 65.68% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $214.7M
- 1- to 4-family residential and other consumer real estate loans: $144.6M
- New vehicle loans: $116.8M
- Unsecured credit card loans: $33.4M
- Other unsecured loans and lines of credit: $31.9M
- Other secured non-real estate loans and lines of credit: $10.8M
- Commercial loans: $52K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.09B | 13.92% | 0.57% | 0.13% | 63.32% |
| March 31, 2026 | $1.08B | 14.06% | 0.66% | 0.06% | 62.33% |
| December 31, 2025 | $1.07B | 14.16% | 0.99% | 0.07% | 62.48% |
| September 30, 2025 | $1.05B | 14.40% | 0.84% | 0.01% | 64.18% |
| June 30, 2025 | $1.04B | 14.81% | 0.97% | 0.23% | 65.68% |
| March 31, 2025 | $1.04B | 14.75% | 0.99% | 0.06% | 67.67% |
Add this badge to your website
Free to use. It shows Velocity Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68359) · FFIEC NIC profile (RSSD 560979)
Frequently asked questions
Is Velocity Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Velocity Credit Union's net worth ratio is 13.92%, above the 7% NCUA threshold for well capitalized.
Is Velocity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Velocity Credit Union is a federally insured credit union (NCUA charter 68359): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Velocity Credit Union's key safety ratios?
For Q2 2026, Velocity Credit Union reports net worth 13.92%, delinquency 0.57%, ROA 0.13%, loan-to-share 63.32%.
What happens to my money if Velocity Credit Union fails?
For Q2 2026, Velocity Credit Union held $872.4M in shares and deposits for 69,112 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.