BlastPoint's Credit Union Scorecard

VELOCITY

Charter #68359 · TX

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 27 in TX

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VELOCITY has 3 strengths but faces 8 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

+ Wallet Share Momentum: Top 32.3% in tier
+ Net Interest Margin 0.18% above tier average
+ First Mortgage Concentration (%): Top 7.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.1% in tier
- Indirect Auto Dependency: Bottom 55.4% in tier
- Stagnation Risk: Bottom 91.9% in tier
- Membership Headwinds: Bottom 91.9% in tier
- ROA 0.72% below tier average
- Efficiency ratio 9.36% above tier (higher cost structure)
- Member decline: -3.3% YoY
- Net Charge-Off Rate: Bottom 1.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits +3.4% year over year ($872M in shares and deposits).
Membership: 69,112 members, -3.3% vs a year ago.
Delinquency rate 0.57%.
Return on assets 0.10%.
Efficiency ratio 82.38% vs a 73.02% peer average.
Loan-to-share ratio 63.32% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	69,112 -3.3% YoY-3.9% QoQ	-27.7K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	25%
Assets	$1.1B +4.8% YoY+1.2% QoQ	$-634.4M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Bottom 9.3% in tier
Loans	$552.3M -0.3% YoY+1.4% QoQ	$-681.9M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Bottom 3.3% in tier
Deposits	$872.4M +3.4% YoY-0.1% QoQ	$-591.0M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Bottom 4.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -31.6% YoY+50.9% QoQ	-0.7%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Bottom 2.7% in tier
NIM	3.6% -2.1% YoY+2.1% QoQ	+0.2%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	61%
Efficiency Ratio	82.4% +1.5% YoY-1.1% QoQ	+9.4%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	Bottom 14.0% in tier
Delinquency Rate	0.6% -41.4% YoY-13.8% QoQ	-0.3	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	35%
Loan To Share	63.3% -3.6% YoY+1.6% QoQ	-21.4%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Bottom 10.7% in tier
AMR	$20,614 +5.4% YoY+4.5% QoQ	$-9K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	Bottom 8.0% in tier
CD Concentration	18.1% +9.5% YoY+2.6% QoQ	-10.9%	29.1%	21.6%	20.0%	Bottom 9.9% in tier
Indirect Auto %	54.2% -3.9% YoY-0.2% QoQ	+36.1%	18.1%	6.9%	7.7%	Bottom 1.6% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#120 of 125 • Top 32.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.40%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#13 of 193 • Bottom 55.4% in tier

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

Why This Signature

Asset Growth (YoY): 4.75%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 54.23%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.29%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Stagnation Risk

risk

#29 of 86 • Bottom 91.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.29%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.32%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.57%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Membership Headwinds

decline

#31 of 86 • Bottom 91.9% in tier

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

Why This Signature

Member Growth (YoY): -3.29%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Efficiency Drag

risk

#37 of 71 • Bottom 13.1% in tier

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

Why This Signature

Efficiency Ratio: 82.38%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.04% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -3.29%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 14.11%

Peer Median: 33.59%

#23 of 300 Top 7.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.14%

Peer Median: 28.24%

#33 of 300 Top 10.7% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.92%

Peer Median: 10.91%

#41 of 300 Top 13.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $265.69

Peer Median: $204.73

#64 of 300 Top 21.0% in 1B-3B tier

Top Weaknesses (12 metrics)

296

Net Charge-Off Rate

risk

Value: 1.70%

Peer Median: 0.52%

#296 of 300 Bottom 1.7% in 1B-3B tier

296

Indirect Auto Concentration (%)

balance_sheet

Value: 54.23%

Peer Median: 14.26%

#296 of 300 Bottom 1.7% in 1B-3B tier

292

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: 0.77%

#292 of 300 Bottom 3.0% in 1B-3B tier

290

Total Loans

balance_sheet

Value: $552.34M

Peer Median: $1.14B

#290 of 300 Bottom 3.7% in 1B-3B tier

288

Loan-to-Member Ratio (LMR)

engagement

Value: $7,992

Peer Median: $12,809

#288 of 300 Bottom 4.3% in 1B-3B tier

286

Total Deposits

balance_sheet

Value: $872.35M

Peer Median: $1.30B

#286 of 300 Bottom 5.0% in 1B-3B tier

276

Average Member Relationship (AMR)

engagement

Value: $20,614

Peer Median: $28,089

#276 of 300 Bottom 8.3% in 1B-3B tier

274

Member Growth Rate

growth

Value: -3.29%

Peer Median: 1.84%

#274 of 300 Bottom 9.0% in 1B-3B tier

272

Total Assets

balance_sheet

Value: $1.09B

Peer Median: $1.51B

#272 of 300 Bottom 9.7% in 1B-3B tier

268

Loan-to-Share Ratio

balance_sheet

Value: 63.32%

Peer Median: 87.07%

#268 of 300 Bottom 11.0% in 1B-3B tier