BlastPoint's Credit Union Scorecard

VELOCITY

Charter #68359 · TX

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 26 in TX

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VELOCITY has 4 strengths but faces 18 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.43% above tier average
+ First Mortgage Concentration (%): Top 2.3% in tier
+ Share Certificate Concentration (%): Top 9.2% in tier
+ Net Worth Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 3.6% in tier
- Membership Headwinds: Bottom 7.1% in tier
- Institutional Decline: Bottom 7.8% in tier
- Efficiency Drag: Bottom 24.6% in tier
- Stagnation Risk: Bottom 28.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 7.87% above tier (higher cost structure)
- Delinquency rate 0.01% above tier average
- Member decline: -6.9% YoY
- Indirect Auto Concentration (%): Bottom 1.3% in tier
- Net Charge-Off Rate: Bottom 2.0% in tier
- Total Loans: Bottom 2.3% in tier
- Loan Growth Rate: Bottom 2.6% in tier
- Total Deposits: Bottom 3.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- Total Assets: Bottom 5.6% in tier
- Average Member Relationship (AMR): Bottom 5.9% in tier
- Member Growth Rate: Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	71,607 -6.9% YoY+0.2% QoQ	-27.1K	98,678 -1.9% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	28%
Assets	$1.0B +1.8% YoY+0.7% QoQ	$-671.3M	$1.7B +0.5% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Bottom 5.3% in tier
Loans	$542.2M -10.2% YoY-2.1% QoQ	$-690.9M	$1.2B +0.5% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	Bottom 2.0% in tier
Deposits	$844.8M +0.9% YoY+0.1% QoQ	$-609.5M	$1.5B +1.3% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Bottom 2.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -64.2% YoY-32.0% QoQ	-0.6%	0.7% +13.4% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Bottom 5.9% in tier
NIM	3.7% +1.6% YoY+0.3% QoQ	+0.4%	3.3% +9.3% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	78%
Efficiency Ratio	81.8% -1.2% YoY+0.9% QoQ	+7.9%	74.0% -10.9% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	82%
Delinquency Rate	0.8% -34.7% YoY-13.2% QoQ	+0.0	0.8% +6.1% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	65%
Loan To Share	64.2% -11.0% YoY-2.3% QoQ	-21.0%	85.2% -0.8% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	Bottom 11.5% in tier
AMR	$19,369 +3.4% YoY-1.0% QoQ	$-10K	$29,172 +2.8% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Bottom 5.6% in tier
CD Concentration	17.3% +7.0% YoY+4.4% QoQ	-11.7%	29.0% +0.7% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	Bottom 8.9% in tier
Indirect Auto %	55.7% -5.9% YoY-1.4% QoQ	+36.9%	18.8% -3.0% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	Top 1.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#23 of 202 • Bottom 3.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.75%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 55.69%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -6.91%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Membership Headwinds

decline

#18 of 85 • Bottom 7.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.91%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY

Institutional Decline

decline

#9 of 31 • Bottom 7.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.05B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -6.91%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -10.17%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Efficiency Drag

risk

#82 of 96 • Bottom 24.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.84%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -6.91%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank worsening

Stagnation Risk

risk

#68 of 85 • Bottom 28.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.91%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -10.17%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.84%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 304 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 11.11%

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.31%

Peer Avg: -

#29 of 304 Top 9.2% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.40%

Peer Avg: -

#30 of 304 Top 9.5% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.69%

Peer Avg: -

#67 of 304 Top 21.7% in 1B-3B tier

Top Weaknesses (13 metrics)

301

Indirect Auto Concentration (%)

balance_sheet

Value: 55.69%

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

299

Net Charge-Off Rate

risk

Value: 1.78%

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

298

Total Loans

balance_sheet

Value: $542.18M

Peer Avg: -

#298 of 304 Bottom 2.3% in 1B-3B tier

297

Loan Growth Rate

growth

Value: -10.17%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

296

Total Deposits

balance_sheet

Value: $844.81M

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

292

Loan-to-Member Ratio (LMR)

engagement

Value: $7,572

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

288

Total Assets

balance_sheet

Value: $1.05B

Peer Avg: -

#288 of 304 Bottom 5.6% in 1B-3B tier

287

Average Member Relationship (AMR)

engagement

Value: $19,369

Peer Avg: -

#287 of 304 Bottom 5.9% in 1B-3B tier

286

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

285

Member Growth Rate

growth

Value: -6.91%

Peer Avg: -

#285 of 304 Bottom 6.6% in 1B-3B tier