BlastPoint's Credit Union Scorecard

VELOCITY

Charter #68359 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 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 21.6% in tier
+ Net Interest Margin 0.17% above tier average
+ First Mortgage Concentration (%): Top 6.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 15.4% in tier
- Indirect Auto Dependency: Bottom 67.1% in tier
- Institutional Decline: Bottom 94.8% in tier
- Stagnation Risk: Bottom 95.3% in tier
- Membership Headwinds: Bottom 95.3% in tier
- ROA 0.65% below tier average
- Efficiency ratio 8.63% above tier (higher cost structure)
- Member decline: -6.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	71,906 -6.2% YoY+0.4% QoQ	-24.1K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	30%
Assets	$1.1B +3.4% YoY+0.9% QoQ	$-643.3M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 6.5% in tier
Loans	$544.5M -5.1% YoY+0.9% QoQ	$-669.3M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 2.9% in tier
Deposits	$873.5M +3.1% YoY+1.2% QoQ	$-592.0M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 4.9% 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% +9.4% YoY-28.2% QoQ	-0.7%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 5.6% in tier
NIM	3.5% -3.9% YoY-3.6% QoQ	+0.2%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	83.3% +5.2% YoY+1.7% QoQ	+8.6%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	0.7% -33.8% YoY-33.7% QoQ	-0.1	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	52%
Loan To Share	62.3% -7.9% YoY-0.2% QoQ	-20.9%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Bottom 9.8% in tier
AMR	$19,720 +6.4% YoY+0.7% QoQ	$-10K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 5.2% in tier
CD Concentration	17.7% +11.3% YoY+3.5% QoQ	-11.2%	28.8%	21.3%	19.8%	Bottom 9.7% in tier
Indirect Auto %	54.3% -5.7% YoY-1.1% QoQ	+36.2%	18.1%	6.9%	7.7%	Bottom 1.6% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#82 of 125 • Top 21.6% in tier

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

Why This Signature

AMR Growth (YoY): 6.44%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#11 of 91 • Bottom 95.3% 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): -6.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.05%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.66%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#26 of 198 • Bottom 67.1% in tier

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

Why This Signature

Asset Growth (YoY): 3.43%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 54.32%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -6.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Membership Headwinds

decline

#19 of 91 • Bottom 95.3% in tier

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

Why This Signature

Member Growth (YoY): -6.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Efficiency Drag

risk

#48 of 100 • Bottom 15.4% in tier

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

Why This Signature

Efficiency Ratio: 83.26%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -6.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Institutional Decline

decline

#19 of 31 • Bottom 94.8% in tier

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

Why This Signature

Total Assets: $1.08B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -6.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.05%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 13.40%

Peer Median: 33.05%

#21 of 306 Top 6.5% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.69%

Peer Median: 27.93%

#32 of 306 Top 10.1% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.06%

Peer Median: 10.85%

#36 of 306 Top 11.4% in 1B-3B tier

Fee Income Per Member

profitability

Value: $264.76

Peer Median: $191.54

#52 of 306 Top 16.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.44%

Peer Median: 3.15%

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (12 metrics)

304

Net Charge-Off Rate

risk

Value: 1.98%

Peer Median: 0.51%

#304 of 306 Bottom 1.0% in 1B-3B tier

302

Indirect Auto Concentration (%)

balance_sheet

Value: 54.32%

Peer Median: 13.86%

#302 of 306 Bottom 1.6% in 1B-3B tier

297

Total Loans

balance_sheet

Value: $544.45M

Peer Median: $1.11B

#297 of 306 Bottom 3.3% in 1B-3B tier

294

Loan-to-Member Ratio (LMR)

engagement

Value: $7,572

Peer Median: $12,733

#294 of 306 Bottom 4.2% in 1B-3B tier

291

Total Deposits

balance_sheet

Value: $873.54M

Peer Median: $1.31B

#291 of 306 Bottom 5.2% in 1B-3B tier

290

Member Growth Rate

growth

Value: -6.24%

Peer Median: 2.03%

#290 of 306 Bottom 5.6% in 1B-3B tier

290

Loan Growth Rate

growth

Value: -5.05%

Peer Median: 5.67%

#290 of 306 Bottom 5.6% in 1B-3B tier

290

Average Member Relationship (AMR)

engagement

Value: $19,720

Peer Median: $28,178

#290 of 306 Bottom 5.6% in 1B-3B tier

289

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Median: 0.66%

#289 of 306 Bottom 5.9% in 1B-3B tier

286

Total Assets

balance_sheet

Value: $1.08B

Peer Median: $1.51B

#286 of 306 Bottom 6.9% in 1B-3B tier